Public Adjuster Service Areas in Florida

Our Pensacola office handles property insurance claims across Escambia, Santa Rosa and Okaloosa counties, and we inspect every property in person.

David Otero

David Otero, President
Licensed Florida public insurance adjuster
7+ years of claims experience

Northwest Florida service areas

Pensacola, Pensacola Beach, Gulf Breeze, Pace, Milton, Navarre and Fort Walton Beach are within about 50 miles of our West Michigan Ave office. Crestview, Destin, Niceville, DeFuniak Springs, Santa Rosa Beach, Panama City Beach and Panama City are 53 to 140 miles away, and we travel to every inspection. The inspection and policy review are free.

Escambia County · our home office

Wind vs. flood disputes near the bay and bayous, and homes still carrying repairs from Hurricanes Ivan (2004) and Sally (2020).

Escambia County · about 16 miles

Barrier-island claims: wind and surge in the same storm, Citizens’ flood rule and coastal rebuild permits.

Santa Rosa County · about 13 miles

Water on both sides, so claims turn on wind vs. flood, docks and seawalls, and percentage hurricane deductibles.

Santa Rosa County · about 15 miles

Newer homes where insurers call storm damage a construction defect, plus matching and tree claims.

Santa Rosa County · about 24 miles

Fallen trees, older roofs and Florida’s 25% roof rule, and flooding along the Blackwater River.

Santa Rosa County · about 33 miles

Repeat hurricane hits, “prior damage” arguments and Navarre Beach condo claims.

Okaloosa County · about 47 miles

Condo master policy vs. HO-6 disputes, and special assessments after a storm.

Okaloosa County · about 55 miles

Condo and vacation rental claims, including the rental income insurers leave out.

Okaloosa County · about 67 miles

Bayou-front wind vs. flood splits, and Eglin families who get orders mid-claim.

Bay County · about 130 miles

Hurricane vs. regular deductible fights after Michael and the 2024 EF3 tornado.

Okaloosa County · about 53 miles

Tornadoes, straight-line wind and trees on the roof, then the roof-age fight with the insurer.

Walton County · about 81 miles

Rural claims: barns, sheds and fences, older homes, and inspections that stall.

Walton County · about 92 miles

30A and Miramar Beach: replacement cost holdbacks, limits that fell behind and custom finishes.

Bay County · about 140 miles

Payments that come in under the insurer’s own estimate, and commercial limits that never caught up.

Tampa and Miami

These two are a long way from our office. Every claim there is handled from Pensacola, and we travel to the property for the inspection.

Hillsborough County · about 468 miles

Helene’s surge and Milton’s wind hit 13 days apart in 2024, and the hurricane deductible rules those two storms raised.

Miami-Dade County · about 674 miles

Repairs to High-Velocity Hurricane Zone code, the law and ordinance coverage that pays for them, and leaks that run down high-rise condos.

Anywhere else in Florida

We take claims anywhere else in Florida, too. Every claim is handled from our Pensacola office, and we travel to you for the inspection. The inspection and policy review are free.

What our clients say

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Andrew Rodgers
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Always helpful to our shared customers! Very knowledgeable
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jaroslav moravec
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I was very happy with the way David handled his business . They did what they said they would do. Great customer service . Communication was excellent . Would recommend to everyone.
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Chris Allen
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David is absolutely the best at what he does couldn't recommend him any more! This is someone I will contact every time I am in need of this service.
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Bailey
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Working with David was a game changer. Having someone with so much knowledge in your corner is the only way to go about claims against insurance companies! A lot of work was needed to go up against my insurance company, and David and his team put it every ounce of effort needed to accomplish the goal!
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Wendy Lockhart
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David and his team are fantastic. He was very professional and skilled at working with us and our insurance company to settle our claim. He was up front about the process and followed through on everything he informed us. He kept us up-to-date the entire time. I highly recommend.
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GT Hodges
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We’re extremely grateful for the time, effort, and professionalism shown by David and Tamara in helping us with our home insurance claim. Their diligence, thoroughness, and clear communication made the entire process much smoother and less stressful. It’s rare to find someone who takes such care and pride in their work. We highly recommend their services to anyone.
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joan newman
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David Otero was fist recommended to me by a friend who had been very satisfied with his services when she required an adjuster on a roof repair. He and his assistant, Tamara, responded immediately when I called him on the difficulty I was having after serious water damage in my home. David kept me fully informed on the repair request. In addition, he was able to secure funds for me that covered the necessary repairs for the damage my home incurred. I would recommend this team for any problems you may have in securing a just refund on damages to your property.
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David M
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Mr. Otero got took care of me and my home with the insurance company told me no. Mr. Otero was aggressive, communicated and told me exactly what he would do and delivered. Thank you
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Anastasiia Koeppke
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Working with David was an outstanding experience from start to finish. He truly went above and beyond throughout the entire claim process. David took the time to explain every step clearly and made sure we fully understood our options. He was also personally involved in working with the umpire to ensure that all our expenses and damages were properly covered. His attention to detail and commitment to achieving the best possible outcome made a tremendous difference. What stood out most was how easy and professional David and his team were to work with. They were flexible and accommodating around our schedule, which was especially appreciated since we were also in the middle of home renovations. David’s responsiveness, patience, and genuine care for his clients turned what could have been a stressful situation into a smooth and successful process. We couldn’t have asked for better support. David is knowledgeable, trustworthy, and truly dedicated to his clients. We highly recommend him and his team to anyone in need of a public adjuster who will go the extra mile.

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