About Otero Property Adjusting & Appraisals

Career

David began his insurance career in 2019 as an insurance company adjuster, handling property damage, liability, and bodily injury claims. This experience provided him with firsthand knowledge of the insurance claims process from the carrier’s perspective, including claim investigation, damage evaluation, coverage considerations, and claim resolution.

In 2020, David transitioned to representing policyholders, serving as a public adjuster apprentice and manager for a public adjusting firm working with property owners throughout Florida. In 2021, he became a Florida-licensed 3-20 Public Adjuster, expanding his role in the inspection, documentation, preparation, negotiation, mediation, and resolution of residential and commercial property insurance claims.

In 2024, David founded Otero Property Adjusting & Appraisals in Pensacola, Florida, with a focus on providing knowledgeable, professional representation to homeowners and business owners throughout Florida. In addition to public adjusting services, David provides insurance appraisal, umpire, loss consulting, and expert witness services involving property insurance claims and property damage matters.

Experience and approach

Throughout his career, David has developed extensive experience evaluating property damage and assisting policyholders with complex, disputed, denied, and underpaid insurance claims. His work involves detailed property inspections, damage documentation, claim analysis, preparation of estimates and supporting documentation, and negotiations with insurance carriers and their representatives to pursue the benefits available under applicable insurance policies.

His experience working on both sides of the insurance claims process provides David with a comprehensive understanding of how property claims are investigated, evaluated, documented, and resolved. He brings a detail-oriented, evidence-based approach to each assignment, with an emphasis on accurate damage assessment, thorough documentation, policyholder advocacy, and professional claim resolution.

David’s professional experience includes residential and commercial property losses, storm and catastrophic damage, disputed scope and valuation issues, insurance appraisals, and complex property damage matters. Through Otero Property Adjusting & Appraisals, he continues to serve as a resource for property owners, attorneys, insurance professionals, and other industry participants throughout Florida.