We are your trusted partner for insurance claims based in Pensacola, FL. Our skilled Florida Public Adjusters bring extensive experience to help you secure the coverage you need after unexpected events. With local insight and a commitment to client service, we make the insurance claim process clear and manageable. Let us represent you and work to secure a fair, timely settlement. Discover how our team can support you in maximizing your claim, ensuring a smooth and stress-free experience.
A & F
2025-02-04
As Public Adjusters go there are many, unfortunately, over the years I’ve had to use many, but these guys just stand out way above all the rest! David is so professional, and full of knowledge, aggressive, but very informative and understands the process and exactly what he is doing. If you’re looking for a solid Public Adjuster to assist youwith your claim, he’s the guy!
Pam Ruckman
2024-12-04
December 4, 2024
First, for anyone that needs an advocate between you and the insurance company, I can CONFIDENTLY and COMPLETELY recommend David Otera. I had a slab leak in my home in Auggust 2022. I did not know anything about a public adjuster at that time and just dealt with the insurance company myself. What a nightmare!! There were 8 rooms that had damage as a result of this leak. The insurance adjuster came in and took some pictures and some measurements. I was requested to send in several estimates for repairs needed, which I did. Then I was told that the “check was in the mail” and that based on the guidelines the insurance company had this is what the sent. And if I had anything further to add to send it in and they would take a look at it. So, after several months I finally got the major things replaced and was able to start reorganizing things.
Then, in January of 2024, it happened again. Two tmes. That makes 3 times in the same place. Here we go again with the insurance routine. And after the 3rd time the insurance adjuster did not come out again and look at the further damages. Space will not permit me to tell all the trauma and stress I went through in dealing with these situations.
Just to say that I felt overwhelmed and frustrated is putting it mildly. When faced with take what money they give you and put a bandaid on the problem or fix the problem ON MY OWN so I don’t have to go through this again, was a hard decision as I am a widow on a fixed income. My son recommended for me to check with a public adjuster, so I looked for someone in my area to contat. I know that God still answers prayer because He lead me to David Otera!
I was hesitant at first as I didn’t know anything about a public/propert adjuster, but from the first phone conversation with him, I could tell that he genuinely cared about the problems I was going through and from the first meeting I felt he was someone I could TRUST to help me. When he came out to look at the situation and listen to all the history of the incients, he made me feel like I was a real person with a real issue, not just a number. If he was not available when I would call, he ALWAYS called me or texted me back as soon as he could. He answered ANY questions I had and never made me feel like I was asking a stupid question. He knows the insurance ins and outs and he is not intimidated by them when representing his client.
He will fight for you! He is an answer to my prayers and I am thankful for all the hours of hard work and care in helping me get a settlement so I could do my repairs right. He is like a dog with a bone - he won’t let go till it’s done! He and his team are the best!!
P Ruckman
Pensacola
Sharon Briggs
2024-10-18
David/Otero Property Adjusting & Appraisals was very knowledgeable, timely, and had great attention to detail! He worked with us through issues of having our homeowners insurance company closing to then restarting a claim with the state of Florida insurance. After several months, he was able to get all of our repairs addressed and compensated! His communication was right on point and his support office staff was super friendly and very competent. If we ever have the misfortune of needing assistance with another claim to our homeowners insurance policy, we will be calling him first rather than even trying to work with it ourselves.
Celeste Sepulveda
2024-10-06
Working with Otero Property Adjusting & Appraisal was a game-changer for us. When our property was damaged, we felt completely lost in the complexities of dealing with the insurance company. Thankfully, David took the reins and made the entire process smooth and stress-free. Their attention to detail was remarkable, and they made sure nothing was overlooked when assessing the damages.
What really stood out was their ability to advocate for us—fighting to make sure we received a fair settlement that truly reflected the extent of our losses. They kept us updated consistently and were always available to clarify any concerns. We wouldn’t have reached the successful outcome we did without their expertise and persistence. If you want someone reliable, knowledgeable, and who genuinely cares about getting you the best result, I wholeheartedly recommend Otero Property Adjusting & Appraisal.
Brock Magaro
2024-09-25
I don’t know how he does it. But David works magic, he was able to settle my aunt’s claim for 3x what was offered by the insurance company. If you’re not looking to have Otero Public Adjusting as your representation for your insurance claim, then you’re looking in the wrong place.
Mike Paone
2024-09-16
When the insurance company wasn't acting in good faith and honoring their contractual obligations after hurricane Sally I called on Otero and his team to assist. They hit the ground running, understand the process very well, communicated everything so we always knew what was going on, and got us what was needed to restore our home to the pre-storm conditions. Since then I have referred many of my clients in desperate need to Otero, and have worked on many restorations he helped folks out with. If you need someone to assist with your insurance claims Otero Property Adjusting & Appraisals is your best bet!! You'll have piece of mind knowing the job is getting done, and in the end you'll get what you need to restore your property,
Logan Lee
2024-09-04
Otero Public Adjusting is the team you need when your home insurance company only sees you as a number and not as a person. Otero's team have been working hurricane, fire, flood, and storm claims in the Florida region for many years and have a strong working knowledge of how the claim process works in your favor. From day one Otero will tell you what to expect and help navigate you through the entire claim process. After calling Otero you will have peace of mind knowing that your claim is in good hands.
Trusted property adjusting and appraisal Experts
Why Hire a Florida Public Adjuster for Your Insurance Claims in Florida?
Hiring a Florida public adjuster for your insurance claim from Miami to Pensacola can help ensure you receive the full compensation you deserve. Handling insurance claims after events like hurricanes can be overwhelming, but your Florida public adjusters can ease this burden. Our professionals are skilled in managing insurance claims and work hard to advocate for you. A public adjuster is your representative, simplifying the claims process to save you stress and time. Whether it’s a personal or business property claim, having an adjuster on your side can greatly impact your claim’s success.
Insurance matters can be challenging, and a claims adjuster understands the details. Florida faces specific challenges with climate-related damages, so having an adjuster who understands these issues is essential. Your Florida public adjusters know local and state regulations and handle every claim correctly.
By hiring a public adjuster, you gain expertise that can maximize your settlement. They carefully review your insurance policy, negotiate effectively with insurers, and work to secure what you are owed. Having a skilled professional by your side is invaluable during disasters like hurricanes. Consider hiring Florida public adjusters to fight for your rights and help you recover from property loss or damage. Choosing adjusters familiar with insurance claims in Florida can benefit you greatly.
Comprehensive Restoration Services
List of 10 Different Kinds of Claim Types a Public Adjuster Can Help With
Understanding the Role of a Public Adjuster in Maximizing Your Settlement
At Otero Property Adjusting & Appraisals, handling insurance claims and securing the right settlement can be challenging, especially when dealing with an insurance adjuster. That’s where a public adjuster can help. Public adjusters work exclusively for you, the policyholder, ensuring all damages are accurately recorded and presented in your claim. Unlike an insurance adjuster representing the insurer, a public adjuster focuses on maximizing your settlement and protecting your interests. When your home is damaged, having a public adjuster by your side ensures every part of your claim is addressed.
Public adjusters have the skills to thoroughly evaluate and document your damages, leaving nothing overlooked in securing proper compensation. Hiring a public adjuster means you have an advocate negotiating on your behalf, using their knowledge of insurance policies and claims to secure the best outcome. Many public adjusting services work on a contingency basis, so you only pay if they succeed, with no upfront costs. This service makes sure your claim is handled well without adding financial stress. Whether dealing with a complex claim or wanting full coverage, working with a skilled public adjuster is the best choice to maximize your settlement. Rich content results: ImageRich content results:
Public adjusters have the skills to thoroughly evaluate and document your damages, leaving nothing overlooked in securing proper compensation. Hiring a public adjuster means you have an advocate negotiating on your behalf, using their knowledge of insurance policies and claims to secure the best outcome. Many public adjusting services work on a contingency basis, so you only pay if they succeed, with no upfront costs. This service makes sure your claim is handled well without adding financial stress. Whether dealing with a complex claim or wanting full coverage, working with a skilled public adjuster is the best choice to maximize your settlement. Rich content results: ImageRich content results:
List 5 key roles a public adjuster does for a homeowner
Evaluates and documents the extent of the property damage.
Prepares detailed cost estimates for repairs and replacements.
Negotiates with the insurance company on behalf of the homeowner.
Helps interpret and explain insurance policy details and coverages.
Assists in expediting the claims process for a quicker resolution.“`
How Public Insurance Adjusters Can Aid in Your Recovery
At Otero Property Adjusting & Appraisals, we understand that experiencing damage to your property can be incredibly stressful. That’s where our trusted insurance adjusters based in Pensacola, Florida, come in to lend a helping hand in your recovery. Our public adjusters bring the right blend of experience to handle insurance claims, ensuring you receive a fair settlement from your insurance company. Many people have turned to us for guidance, as navigating the complex insurance world can be daunting. We serve our clients with dedication, ensuring that property damage, be it from mold or other causes, is addressed efficiently.
Our team works tirelessly, not just in our backyard of Pensacola, Florida, but also reaching out to other areas like Tampa Bay, Sarasota, Miami, and more, where people need our expertise. We assist in every step of the process, from understanding your policy to submitting the necessary paperwork. This professional approach ensures that your insurance policy is maximized to its full potential, helping your recovery efforts immensely. Otero Property & Appraisals is a great partner for those facing challenging times due to property damage. When a trusted insurance company overlooks vital aspects of your claim, having seasoned public adjusters by your side can make all the difference. From beginning to end, your recovery is our priority, and we’re committed to ensuring your insurance claims reflect the full extent of your damage, providing the peace of mind you deserve.
10 Reasons Insurance Companies Try to Decline a Claim
Non-disclosure of relevant information
Policy exclusions
Expired policy
Incorrect documentation
Fraudulent claims
Lapsed payments
Lack of sufficient evidence
Violation of policy terms
Pre-existing conditions
Late submission of claim“`
Expert Insurance Adjuster Services with No Out-Of-Pocket Fee
At Otero Property Adjusting & Appraisals, we are your trusted Florida insurance adjusters, dedicated to managing your claim skillfully and carefully. Our public adjusters work to maximize your settlement without any out-of-pocket fees. If your property suffers damage from a flood or another disaster, our years of experience guide you through the claims process to help you recover your losses. Our team of seasoned adjusters offers the best strategies tailored to your needs, ensuring you receive the help you deserve without extra costs.
We understand that dealing with property damage can be emotionally and financially stressful. That’s why we focus on lifting that burden, allowing you to focus on recovery. Reach out to our team, who is ready to support you with your claim. With years of experience, our public adjusters are prepared to handle any challenges from your insurance company’s adjusters. Contact us today and join our satisfied clients who have benefited from our expertise. Let’s work together to resolve your claim smoothly and successfully!
Ten Benefits of Working with a Public Adjuster
Expert Knowledge of Insurance Policies
Accurate Damage Assessment
Maximized Settlement Claims
Time and Stress Reduction
Negotiation Skills
Guidance Through the Claims Process
Assistance with Complex Claims
Objective Representation
Improved Communication with Insurers
Contingency Fee Basis
Benefits of Choosing Experienced Insurance Claims Public Adjusters in FL
When you’re facing the challenges of filing insurance claims, having experienced public adjusters by your side can be a game-changer. Otero Property & Appraisals understands the complexities involved in dealing with insurance companies, and with our expertise throughout Florida, we ensure that you receive the settlement you deserve. Navigating through insurance claims after a home loss can be daunting, whether it’s water damage or fire damage. With experienced adjusters, you’ll have a better understanding of your policy, your rights, and the potential for maximizing your recovery.
Our public adjusters in Florida are well-versed in handling claims and work diligently to represent your interests. Having professional guidance helps in the loss assessment, which often involves intricate calculations and negotiations with your insurance company. The risk of undervaluing a loss can be reduced significantly with expert claims adjusting. Rest assured, your claims will be evaluated with precision, ensuring that you receive adequate compensation for any damage.
Homeowners in Pensacola, Florida, often encounter the challenge of underpaid or disputed claims. By choosing our experienced team, you’re investing in successful claim resolution. Our service is invaluable when dealing with your insurance company, helping you avoid common pitfalls that can lead to unsatisfactory settlements. Trust us to be your advocates, handling your claims with the dedication and determination needed to overcome any obstacles and to support you throughout the loss recovery journey. The benefits of working with seasoned professionals in Florida are truly unparalleled.
Why Choose Otero Property Adjusting and Appraisals for Your Home Property Adjusting and Appraisal Needs
01.
Personalized Care
We treat each home with the individual attention it deserves
02.
Expertise
Our team is skilled in handling a variety of claim challenges
03.
Customer Satisfaction Guarantee
We are dedicated to ensuring your satisfaction every step of the way
Pensacola Florida’s Top Public Adjusters Fighting for Your Insurance Settlement throughout the entire state of Florida
Finding top public adjusters is simple with our team on your side. We are here to fight for you when handling insurance settlements, especially for unexpected water damage. Water damage claims can be overwhelming, often leaving business properties in chaos. An insurance company might not offer the settlement you need without proper support. That’s why our public adjusters, highly rated by the BBB, are dedicated to guiding you through these challenging times. With years of experience handling claims, our experts in Pensacola effectively manage loss claims for water damage and mold issues.
From Miami to Pensacola, our public adjusters are here to ensure you have the support you need. Facing water or mold damage claims with an experienced team can make all the difference. At Otero Property & Appraisals, we value clear communication. Contact us anytime for expert help in securing fair insurance settlements. Our public insurance services are focused on meeting your needs. Our dedication and experience are the foundation of our success in serving our clients. Reach out to our Pensacola office for your statewide trusted support, giving you peace of mind every step of the way.
At Otero Property Adjusting & Appraisals, we work to reduce the stress of insurance claims with expert support. Our skilled Florida public adjusters are prepared to handle your claims from Pensacola to Miami, FL. We understand property appraisals and work hard to ensure you receive fair compensation. Rely on our experienced team for the local expertise and support needed to manage property insurance claims. Contact us today to see how we can help you.
FAQ’s
What services does Otero Property & Appraisals provide?
At Otero Property Adjusting & Appraisals, we assist with insurance claims in Florida offering expert guidance through the claims process with our skilled Public Adjusters. We’re committed to helping you secure the coverage you need and ensuring a fair settlement after unexpected events like hurricanes or property damage.
Should I hire a public adjuster?
Hiring a public adjuster can significantly ease the burden of handling insurance claims, particularly after events like hurricanes. Our adjusters advocate for you, simplify the claims process, save you stress and time, and work to maximize your claim’s success by understanding Florida’s specific climate-related challenges.
How do public adjusters differ from insurance adjusters?
Public adjusters work exclusively for you, the policyholder, focusing on maximizing your settlement and protecting your interests. They ensure all damages are accurately documented, unlike insurance adjusters who represent the insurer. Public adjusters are skilled in securing proper compensation for property damage by thoroughly evaluating and documenting claims.
Do you offer services outside of Pensacola?
Our experienced adjusters are ready to help clients throughout Florida, ensuring their insurance claims reflect the true extent of their damage regardless of location.
How are public adjusters compensated?
Many public adjusting services, including ours, work on a contingency basis, meaning you only pay if we succeed in securing a settlement for you. There are no upfront costs, so hiring a public adjuster doesn’t add financial stress, making sure your claims are handled effectively without additional expenses.
As Public Adjusters go there are many, unfortunately, over the years I’ve had to use many, but these guys just stand out way above all the rest! David is so professional, and full of knowledge, aggressive, but very informative and understands the process and exactly what he is doing. If you’re looking for a solid Public Adjuster to assist youwith your claim, he’s the guy!
Pam Ruckman
2024-12-04
December 4, 2024
First, for anyone that needs an advocate between you and the insurance company, I can CONFIDENTLY and COMPLETELY recommend David Otera. I had a slab leak in my home in Auggust 2022. I did not know anything about a public adjuster at that time and just dealt with the insurance company myself. What a nightmare!! There were 8 rooms that had damage as a result of this leak. The insurance adjuster came in and took some pictures and some measurements. I was requested to send in several estimates for repairs needed, which I did. Then I was told that the “check was in the mail” and that based on the guidelines the insurance company had this is what the sent. And if I had anything further to add to send it in and they would take a look at it. So, after several months I finally got the major things replaced and was able to start reorganizing things.
Then, in January of 2024, it happened again. Two tmes. That makes 3 times in the same place. Here we go again with the insurance routine. And after the 3rd time the insurance adjuster did not come out again and look at the further damages. Space will not permit me to tell all the trauma and stress I went through in dealing with these situations.
Just to say that I felt overwhelmed and frustrated is putting it mildly. When faced with take what money they give you and put a bandaid on the problem or fix the problem ON MY OWN so I don’t have to go through this again, was a hard decision as I am a widow on a fixed income. My son recommended for me to check with a public adjuster, so I looked for someone in my area to contat. I know that God still answers prayer because He lead me to David Otera!
I was hesitant at first as I didn’t know anything about a public/propert adjuster, but from the first phone conversation with him, I could tell that he genuinely cared about the problems I was going through and from the first meeting I felt he was someone I could TRUST to help me. When he came out to look at the situation and listen to all the history of the incients, he made me feel like I was a real person with a real issue, not just a number. If he was not available when I would call, he ALWAYS called me or texted me back as soon as he could. He answered ANY questions I had and never made me feel like I was asking a stupid question. He knows the insurance ins and outs and he is not intimidated by them when representing his client.
He will fight for you! He is an answer to my prayers and I am thankful for all the hours of hard work and care in helping me get a settlement so I could do my repairs right. He is like a dog with a bone - he won’t let go till it’s done! He and his team are the best!!
P Ruckman
Pensacola
Sharon Briggs
2024-10-18
David/Otero Property Adjusting & Appraisals was very knowledgeable, timely, and had great attention to detail! He worked with us through issues of having our homeowners insurance company closing to then restarting a claim with the state of Florida insurance. After several months, he was able to get all of our repairs addressed and compensated! His communication was right on point and his support office staff was super friendly and very competent. If we ever have the misfortune of needing assistance with another claim to our homeowners insurance policy, we will be calling him first rather than even trying to work with it ourselves.
Celeste Sepulveda
2024-10-06
Working with Otero Property Adjusting & Appraisal was a game-changer for us. When our property was damaged, we felt completely lost in the complexities of dealing with the insurance company. Thankfully, David took the reins and made the entire process smooth and stress-free. Their attention to detail was remarkable, and they made sure nothing was overlooked when assessing the damages.
What really stood out was their ability to advocate for us—fighting to make sure we received a fair settlement that truly reflected the extent of our losses. They kept us updated consistently and were always available to clarify any concerns. We wouldn’t have reached the successful outcome we did without their expertise and persistence. If you want someone reliable, knowledgeable, and who genuinely cares about getting you the best result, I wholeheartedly recommend Otero Property Adjusting & Appraisal.
Brock Magaro
2024-09-25
I don’t know how he does it. But David works magic, he was able to settle my aunt’s claim for 3x what was offered by the insurance company. If you’re not looking to have Otero Public Adjusting as your representation for your insurance claim, then you’re looking in the wrong place.
Mike Paone
2024-09-16
When the insurance company wasn't acting in good faith and honoring their contractual obligations after hurricane Sally I called on Otero and his team to assist. They hit the ground running, understand the process very well, communicated everything so we always knew what was going on, and got us what was needed to restore our home to the pre-storm conditions. Since then I have referred many of my clients in desperate need to Otero, and have worked on many restorations he helped folks out with. If you need someone to assist with your insurance claims Otero Property Adjusting & Appraisals is your best bet!! You'll have piece of mind knowing the job is getting done, and in the end you'll get what you need to restore your property,
Logan Lee
2024-09-04
Otero Public Adjusting is the team you need when your home insurance company only sees you as a number and not as a person. Otero's team have been working hurricane, fire, flood, and storm claims in the Florida region for many years and have a strong working knowledge of how the claim process works in your favor. From day one Otero will tell you what to expect and help navigate you through the entire claim process. After calling Otero you will have peace of mind knowing that your claim is in good hands.
Let Us Assist You
Contact Otero Property Adjusting & Appraisals Today for Expert Home Adjusting Services
