About Us

Committed To Protecting Policyholders And Maximizing Insurance Payouts

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Claims Successfully Handled

ABOUT FRONTLINE ADJUSTERS

We Protect Policyholders And Maximize Insurance Payouts

We exclusively represent property owners, taking full control of the claims process to prevent underpayment and ensure you receive the compensation you deserve.

“We handle your claim from inspection to final settlement—strategically documenting, positioning, and negotiating to maximize your outcome.”

Expert Claim Representation

Managing your claim with precision, strategy, and advocacy

Joseph Fernández – Founder & Principal Public Adjuster

Coming from a family of general contractors, I developed a deep understanding of construction and the challenges homeowners face when dealing with property damage. I pursued my passion for problem-solving by earning a degree in Industrial Engineering, which led to a decade-long career as a Senior Project Engineer for several Fortune 500 companies. While successful in my field, I found myself searching for more meaningful work. That search led me to become an Independent Adjuster (IA), where I provided damage estimates for insurance companies during natural disasters, including major hurricanes in Florida. However, after two years in that role, I realized the system was heavily skewed against homeowners and business owners. I frequently saw my detailed estimates rejected in favor of lower payouts that benefited insurance companies. Determined to advocate for policyholders, I obtained my Public Insurance Adjuster license in 2022. Now, as the Founder and Principal Public Adjuster of Frontline Adjusters, I work exclusively for policyholders, not insurance companies. My mission is to ensure my clients receive every dollar they are entitled to under their policy, helping them rebuild, recover, and move forward with confidence. Having successfully managed and negotiated over 100+ insurance claims, I bring a unique combination of insurance expertise, construction knowledge, and real-world claim experience to every loss. From residential water damage and fire losses to complex commercial claims, I understand what it takes to properly document, value, and negotiate a claim from start to finish. My team and I provide hands-on advocacy throughout every stage of the process, from damage assessment and policy review to detailed estimating, expert coordination, and settlement negotiations. Our focus is simple: protect our clients’ interests, reduce their stress, and maximize their recovery.

Our Team Structure

Principal Public Adjuster

Leads overall claim strategy, interprets coverage, and handles negotiations with the insurance carrier. When disputes arise, this role takes control of positioning, escalation, and resolution.

Operations Manager

Oversees the internal workflow of your claim—keeping timelines on track, documents organized, and communication seamless between all parties involved.

Forensic Estimator

Develops detailed, defensible estimates using industry tools and real-world pricing. Identifies missed scope, underpriced trades, and ensures full repair costs are properly documented.

Project Manager

Handles on-site inspections, coordinates with contractors and specialists, and validates scope during demolition and reconstruction as additional damage is uncovered.

Client Concierge

Your dedicated point of contact throughout the process—providing updates, coordinating logistics, and ensuring you always know what’s happening next.

Vendors & Partners

Relocation Specialists, Personal property Consultants, Mitigation and Abatement Vendors, Structural Engineers, Architects, Contractors, Certified Hygienist and more.

OUR APPROACH & COMMITMENT

Guiding Property Owners To Maximize Insurance Claims

Our Vission

To be a trusted public adjusting firm known for protecting policyholders, maximizing insurance payouts, and delivering strong, reliable results.

Our Mission

To represent policyholders, uncover all damages, and negotiate directly with insurers to prevent underpayment and secure the highest possible settlement.

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Claims Successfully Settled
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Claims Paid At Full Value
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Insurance & Construction Expertise

Get Your Property Claim Reviewed By Experts Who Fight For You

Speak with experienced public adjusters to assess damage, manage your claim, and prevent underpayment while securing your full insurance settlement.

Start Your Free Insurance Claim Evaluation

Get a professional review of your property damage claim. Our experts will assess your situation, identify missed opportunities, and guide you toward maximizing your settlement—all with no upfront obligation.