Welcome to Otero Property Adjusting & Appraisals
We are public adjusters serving Niceville, FL, We are licensed professional who represents policyholders during insurance claims to help them receive fair compensation. Unlike insurance company adjusters, a public adjuster works directly for the policyholder. They assess and document damage, negotiate with insurance companies, and clarify insurance policy details. Public adjusters handle various claims, including property damage from hurricanes, tornadoes, floods, water leaks, mold, fire, and smoke. They also manage claims for vandalism, theft, roof and flooring damage, income loss from business interruptions, and property that is no longer livable. Public adjusters simplify the claims process, aiming to maximize compensation and ease the stress of dealing with insurance claims.
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We evaluate mold damage thoroughly—assessing the full scope of impact to your property. Mold isn’t always limited to what you see on the surface; it can spread behind walls, under flooring, and into HVAC systems, creating hidden damage that compromises your home. Don’t let mold silently spread or your claim go undervalued—call today and let our experts assess your mold damage.
Our team has successfully handled a wide range of water damage and flood damage claims for both homeowners and businesses. As experienced public adjusters, we document every detail, manage the entire claims process, and negotiate directly on your behalf to secure the maximum settlement you deserve. If you’ve experienced water or flood damage, don’t risk being underpaid. Call today and let our experts protect your claim and guide you toward a full recovery.
Learn how a public adjuster can make all the difference with your water and flood damage insurance claim. These types of claims can be complex—hidden water damage, structural issues, and mold growth are often overlooked or undervalued by insurance companies. A skilled public adjuster works exclusively for you, not the insurer, to carefully document every detail, review your policy, and negotiate for the full settlement you need to recover. Don’t risk getting underpaid on your claim—call today and let our public adjusters handle your water and flood damage claim with the expertise and persistence it deserves.
Learn how to navigate Income Loss Claims with confidence. Whether caused by property damage, business interruption, or other unforeseen events, these claims require detailed documentation and strong representation to ensure you’re fully compensated for lost revenue. A skilled public adjuster can evaluate your situation, organize financial records, and negotiate directly with your insurance company so nothing is overlooked. Contact Us!
We are a team of experienced insurance professionals who understand the importance of recovering from unexpected disasters quickly. We work diligently to document your claim, interpret your policy, and pursue the maximum compensation available. Don't wait to take action—contact us today for a free consultation and let us help you get back on track. Reach out today to get started.
We are a Fire Damage Insurance Claims Adjuster, and we work for you—not the insurer—to ensure you receive the compensation you need to recover and rebuild. We handle every detail of your claim, from assessing structural and smoke damage to negotiating the maximum settlement with your insurance company. We work tirelessly to get you the money you deserve.