Why policyholders call Altieri Insurance Consultants
Altieri Insurance Consultants has been in the trenches of calamity with policyholders since 1988. Founder and chairman Raymond A. Altieri, Jr., CPPA, built the firm on a fiduciary-style commitment to clients and grew it into one of Florida's largest public adjusting operations, now more than 30 multi-state licensed public insurance adjusters strong. The second generation leads day to day, with Raymond A. Altieri, III as President and CEO and a full executive bench across claims, operations, and finance.
This is a firm with a resume in the industry itself, not just the field. Raymond A. Altieri, Jr. served as NAPIA President in 2011 and received the FAPIA Distinguished Service Award in 2006; Raymond A. Altieri, III served as NAPIA Secretary in 2023 and sits on the NAPIA board. The firm holds memberships in NAPIA, FAPIA, CAI, and the Professional Adjusters Association, and multiple associates have held the FAPIA presidency since 1993. Every adjuster is bonded and cleared through Florida Department of Law Enforcement background checks.
From offices in Tampa, Fort Lauderdale, Miramar Beach, and Nashville, Altieri serves property owners across the United States and the Caribbean. The work spans residential fires, burst pipes, and hurricanes; large commercial, industrial, retail, and hospitality losses; and a deep specialty in condominium and property-management claims. The results are on the record: a Hurricane Irma condominium complex settled at $10 million against a $350,000 carrier offer, and a Panama City Beach high-rise damaged by Hurricane Michael settled at $16 million against a $4 million offer.
What a public adjuster does
A public adjuster is the only kind of adjuster licensed to work for you, the policyholder — not the insurance company. They document the loss, build a detailed scope and estimate, read the policy for coverage you may have missed, and negotiate the payout with the carrier, working on a percentage of what you recover.
A public adjuster is not a contractor and not an attorney: they cannot make repairs, file suit, or give legal advice. See what a public adjuster actually does and when to hire one.
The fee, in Florida
Florida caps a public adjuster's fee at 20% of the claim payment, dropping to 10% for claims from a declared state of emergency (Fla. Stat. § 626.854). The fee applies only to what the insurer pays — it may not be charged on your deductible.
Full fee guide → · Drafted for education, not verified by counsel — read your contract and the current statute.
Get the exact legal name and license (or NPN) number, then confirm an active public adjuster license in the state where your property sits. Do it on the official roster — never take the number on a business card at face value.
Florida Department of Financial Services licensee search →A public adjuster, or an attorney?
A public adjuster is the right call when the carrier agrees the loss is covered but the check is too low. When the carrier denies coverage outright, alleges misrepresentation, sits on the claim past the statutory deadlines, or acts in bad faith, that is legal territory a public adjuster cannot enter.
If your claim was denied rather than merely underpaid, start with a free attorney review — see public adjuster vs. attorney, why claims get denied, and the deadlines that protect your rights.
We believe in public adjusters, and we want the good ones to get found and get hired. HurricaneLaw.pro features Altieri Insurance Consultants to help policyholders connect with an experienced advocate. We are not affiliated with Altieri Insurance Consultants; this profile is compiled from the firm's own public website and materials, and our links to them are meant to send real business their way. Always confirm current licensing yourself on the state roster above before you hire anyone. A firm that would like its listing updated or removed can reach us through the contact page. Independent resource, not a law firm, and not legal advice.
Denied, not just underpaid? Talk to an attorney first.
Send the denial letter and your declarations page. You'll get a straight read on whether this is a valuation fight for an adjuster or a coverage fight that needs a lawyer.
HURRICANELAW.PRO The independent policyholder resource for Florida & South Carolina — storm archive, coverage law, denials, bad faith, and the complete claims playbook. 51 storms · 46 carriers · 97 public-adjuster firms · 37 city guides.
▸ SEE THE FULL SITE MAP — EVERY PAGE →HurricaneLaw.Pro is an independent informational resource, not a law firm. Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only — they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by our law firm partner, Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
All legal matters on this site are referred to and handled by our law firm partner, Halversen Law, a licensed law firm in Florida and South Carolina. HurricaneLaw.Pro is an informational resource and is not itself a law firm.