Public Adjusters Tampa Bay Florida
Navigating Insurance Claims with Expert Guidance in Tampa Bay, FL
Dealing with insurance claims can be overwhelming, especially in the aftermath of unexpected events like storms, fires, or other disasters. At Otero Property Adjusting & Appraisals Inc, we understand the stress and confusion that can arise during these challenging times. As your dedicated Public Adjusters in Tampa, Florida, we are committed to advocating for you, ensuring that your insurance claims are handled efficiently and effectively to secure the best possible outcomes.
A & F2025-02-04 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 Ruckman2024-12-04 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 Briggs2024-10-18 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 Sepulveda2024-10-06 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 Magaro2024-09-25 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 Paone2024-09-16 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 Lee2024-09-04 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.
Why Choose Public Adjusters in Tampa Bay?
When disaster strikes, time is of the essence. Acting swiftly can significantly impact the success of your insurance claim. Here’s why partnering with our Public Adjusters in Tampa Bay, FL, is the right choice for you:
- Expert Knowledge: Our team has extensive experience and in-depth knowledge of Florida’s insurance laws and regulations.
- Maximized Settlements: We work diligently to ensure you receive the full compensation you’re entitled to, covering all damages and losses.
- Stress Reduction: Handling insurance claims can be stressful. Let us manage the complexities so you can focus on rebuilding your life.
- No Upfront Costs: Our services are typically free until your claim is successfully settled, aligning our success with yours.

Our Comprehensive Services
We offer a wide range of services to cover all aspects of your insurance claims process:
1. Claim Assessment and Documentation
We begin by thoroughly assessing your situation and gathering all necessary documentation. This includes:
- Detailed property inspections
- Comprehensive damage reports
- Inventory of lost or damaged items
2. Policy Review and Analysis
Understanding the nuances of your insurance policy is crucial. We:
- Review and interpret policy language
- Identify coverage gaps and applicable clauses
- Advise on policy enhancements for future protection
3. Negotiation with Insurance Companies
Our skilled negotiators engage with insurance adjusters on your behalf to:
- Present a compelling case for your claim
- Ensure all damages are accounted for
- Negotiate terms that favor your best interests
4. Claim Filing and Management
We handle all aspects of the claim filing process, including:
- Preparing and submitting all necessary forms
- Tracking the progress of your claim
- Providing regular updates and transparent communication
5. Post-Settlement Support
Our commitment doesn’t end with the settlement. We offer:
- Assistance with repairs and rebuilding
- Guidance on future prevention and preparedness
- Ongoing support for any additional claims or concerns
The Claims Process: Step-by-Step
Understanding the claims process can alleviate some of the stress involved. Here’s how we guide you through each step:
- Initial Consultation: We meet with you to discuss your situation, understand your needs, and outline our approach.
- Documentation and Assessment: Our team conducts a thorough assessment of the damages and compiles all necessary documentation.
- Policy Review: We analyze your insurance policy to identify your coverage and any potential leverage points.
- Claim Submission: We prepare and submit your claim, ensuring all information is accurate and complete.
- Negotiation: Our experts negotiate with the insurance company to secure the best possible settlement.
- Settlement and Support: Once settled, we assist you in managing the funds and beginning the recovery process.

Benefits of Hiring a Public Adjuster
Hiring a Public Adjuster offers numerous advantages over navigating the claims process alone:
- Objective Expertise: We provide an unbiased perspective focused solely on your best interests.
- Time Efficiency: Our experience allows us to expedite the claims process, reducing delays.
- Comprehensive Representation: From initial assessment to final settlement, we handle every aspect of your claim.
- Enhanced Settlements: Our detailed documentation and skilled negotiation often result in higher settlements.
Testimonials: Success Stories from Tampa Bay Residents
A & F2025-02-04 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 Ruckman2024-12-04 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 Briggs2024-10-18 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 Sepulveda2024-10-06 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 Magaro2024-09-25 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 Paone2024-09-16 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 Lee2024-09-04 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.
Frequently Asked Questions
1. What is a Public Adjuster, and how do they differ from insurance adjusters?
A Public Adjuster is a licensed professional hired by the policyholder to represent their interests in the insurance claims process. Unlike insurance adjusters, who work for the insurance company, Public Adjusters advocate solely on behalf of the policyholder to ensure fair compensation.
2. How much do Public Adjusters charge for their services?
Most Public Adjusters work on a contingency fee basis, meaning they only get paid when your claim is successfully settled. Typically, the fee is a percentage of the total settlement amount.
3. How long does the claims process take with a Public Adjuster?
The timeline can vary depending on the complexity of the claim, but having a Public Adjuster can often expedite the process by ensuring all documentation is complete and negotiations are handled efficiently.
4. Can I handle my insurance claim without a Public Adjuster?
Yes, you can, but without professional expertise, you might miss out on rightful compensation or make errors that could delay the settlement process. A Public Adjuster ensures your claim is managed effectively from start to finish.
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Our Commitment to Tampa Bay
At Otero Property Adjusting & Appraisals Inc, we are deeply rooted in the Tampa Bay community. We understand the unique challenges faced by residents, from hurricanes and floods to everyday property wear and tear. Our mission is to provide personalized, reliable, and effective Public Adjuster services to help you recover and rebuild with confidence.
Ready to Get Started?
Don’t navigate the complexities of insurance claims alone. Let our experienced Public Adjusters in Tampa, Florida, guide you every step of the way. Contact us today for a free consultation and take the first step towards securing the compensation you deserve.
Call Us Today: +1 850-285-0405
Email Us: contact.opaa@oteroadjusting.com
Visit Our Office: 3105 W Michigan Ave, Pensacola, FL 32526, United States