Welcome to Otero Property Adjusting & Appraisals
We are public adjusters serving Destin, 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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Tornadoes pose a serious threat to commercial investments, causing catastrophic damage from shattered windows to severely weakened structural integrity. When disaster strikes, your business operations can grind to a halt. Otero specializes in working alongside business owners to accurately document, file, and negotiate insurance claims, ensuring you recover the full value of your losses and get your property—and your business—back up and running swiftly. Don't navigate the complex claims process alone. Contact Otero today for a FREE, no-obligation consultation.
After a flood or other disaster damages your property, the claims process can feel overwhelming. Our public adjusters step in to document every loss, manage the paperwork, and negotiate with your insurance company to secure the settlement you deserve. Call today and let us fight for your recovery while you focus on rebuilding.
Roof leaks may start small, but the damage they cause can spread quickly and often goes unnoticed until it becomes severe. From water stains on ceilings to hidden mold growth and structural deterioration, the true extent of roof leak damage is rarely visible on the surface. This is where a public adjuster’s experience becomes invaluable. Contact Us Today!
If you need help with your theft or vandalism insurance claim, we’re here to guide you. Our public adjusters will explain your options, document your losses, and fight to secure your settlement. Don’t navigate the claims process alone—contact us today and let us protect your recovery.
We assess the damage to your roof and work with your insurance company to ensure you receive the compensation you deserve. Contact us today for a detailed evaluation and expert assistance in navigating your roofing claim.
Our Flood Damage Public Adjusting service is designed to guide you through every step of the claims process. We specialize in assessing flood-related losses—whether it’s structural damage, ruined belongings, or hidden water intrusion—and ensure that every detail is properly documented. By working directly with your insurance company, we help you pursue the full compensation you’re entitled to under your policy. Don’t let flood damage disrupt your life any longer—contact us today for a free consultation and let our experts help you move forward with confidence.
If your property has water damage, don’t delay—file your claim promptly and document all visible damage. Early action is key to protecting your rights and speeding up the process. It's also essential to contact a public adjuster right away. We help ensure your damage is thoroughly assessed, your claim is properly prepared, and you’re not leaving money on the table. The sooner we get involved, the better we can advocate for a full and fair settlement.
Water damage can strike fast and lead to costly repairs. As your Water Damage Insurance Claims Adjuster, we handle everything from identifying hidden damage to negotiating with your insurance company. Whether it’s from a burst pipe, appliance leak, or storm intrusion, we work to get you the maximum settlement you deserve—quickly and stress-free. Let us advocate for you every step of the way.


