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Tips and Advice

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Tips and Advice

Your Rights as a Homeowner

public adjuster

Part of the reason so many people have concerns when they are deciding whether or not to file an insurance claim is that they are afraid of the possible ramifications of deciding to do so. “What if my claim isn’t approved, but the insurance company sees me as a bigger risk after the claim and raises my rates?” “What if the insurance company views me as more of a financial liability after I hire a public adjuster to handle my claim with them?” We routinely get these questions and others from clients, and for anyone asking them we have good news: you have legal rights in these matters.

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hurricane and storms

Homeowners insurance policies don’t cover floods and might not cover other types of water damage. It is important than you know what to do in case of Water Damage in your Property and if you are experiencing this unfortunate problem, please consider contacting Alconero and Associates Public Adjusters and we will be in your property within the following hours to have an overall Free estimate and will explain all you need to do to file an insurance claim for water damages accordingly.

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Plumbing systems are never covered under insurance policies. However, damages caused by that plumbing are covered. If your home is subjected to water damages, you have to bring a plumber in, and the plumber has to break through the floor or wall to get to the damage, then that damage done by the plumber is covered along with the cost of the repair job itself and any damage caused by leaking water.

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flood damage home
insurance plumbing damages

Plumbing systems are never covered under insurance policies. However, damages caused by that plumbing are covered. If your home is subjected to water damages, you have to bring a plumber in, and the plumber has to break through the floor or wall to get to the damage, then that damage done by the plumber is covered along with the cost of the repair job itself and any damage caused by leaking water.

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Miami Public Adjuster direct phone
public adjuster available by Whatsapp

Insurance Claims Frequently Asked Questions.

Our adjusters will assist only the policy holder in the process of filing an insurance claim. We inspect the insurance policy to get an idea of what is covered and to explore the coverage limits. We will assess the situation which is necessitating a claim: “Water”, “Fire”, “Mold”, or “Wind” damage and we will meticulously document the claim and file it with the insurance company.

You should hire the services of a public Adjuster before you get your offers from your insurance company. Alconero and Associates Public Adjusters can be consulted without commitment.

Our public adjusters will only represent you, the policyholder and will protect your rights during the process. It is important to remember that a Insurance’s adjusters are responsible for ensuring that the insurance pay out the least amount of money possible, with the goal of saving money for the insurance company by avoiding payouts on claims which do not deserve payouts, and by making sure that claims are not overpaid. Alconero and Associates Public Adjusters has the same training of an insurance adjuster but will work to get the best possible settlement for you, the policyholder, not the insurance company.

Alconero and Associates Public Adjusters will accept a percentage of the payout on the policy as our fee.

Compensation for our services will be received once a settlement has been agreed with the insurance company and the policyholder is paid for the damages claimed. You can hire our Alconero and Associates Public Adjusters by signing a contract agreeing to pay a fee or commission based on a percentage of your settlement, or other method of compensation only once the claim has been settled on your favor.

No. Insurance policies do not cover the fees of a public adjuster.

Yes. All fees charged by our public adjusters can and should be negotiated.

Once you sign a contract with a Alconero and Associates Public Adjusters, your public adjuster will notify your insurance company, who will then send all correspondence, including your claim check, to our company. We will routinely update you on the progress of your claim.

Yes, all our Public Adjusters and Appraisers are licensed and certified to work in the state of Florida and in the state of New Jersey.

We are the 1st Step to putting your life back to normal!

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Our clients love us and you will too!

I used Alconero and Associates Public Adjusters because I didn’t have the time or desire to deal with insurance claims. They took over completely and handled everything for me. The final settlement was extremely fair and I couldn’t be happier.

– Nikolas Brooten

The settlement you got for my dwelling and personal property was much more than I ever expected to receive. My insurance company’s information in the first place was really miles away from what it turned out to be. It was an amazing great job done in our favor since the very first day we met. Thanks!

– Elsie Spear

When our house caught fire we were absolutely devastated. You know you need to claim your insurance for the damages to start all over again and this is kind of adding insult to injury. I am so grateful that I have met the wonderful team at Alconero and Associates Public Adjusters who have patiently worked my case and exceeded my expectations. The insurance company was treating us like low class citizens, and in my opinion trying to cheat us. Raul and his team was able to assist and it has been an excellent experience. I will recommend Alconero and Associates Public Adjusters with flying colors.

– Barclay Widerski

You are such a wonderful and caring group of people. Thank you for handling all the details that helped to move our settlement along expeditiously. My fire claim was expedited and settled much faster than my neighbors’ claims, and my settlement was far more generous.

– Coriss Ambady