Florida Licensed Public Adjusters — Lic. W806687

Your Advocate When Insurance Falls Short

At Ladder & Heels Adjusting LLC, we help homeowners and business owners document damages, interpret their policies, and negotiate fair compensation. Strategy, transparency, and personalized attention — every step of the way.

24/7

Initial Response

100%

Personalized Attention

1-on-1

Direct Consultation

Our Process

How We Fight For You

Whether filing a new claim, challenging an underpayment, or appealing a denial — our licensed public adjusters have the expertise to secure what you are owed.

01

New Claim

Experiencing damage to your home or business can be daunting. We support you from the very start — meticulously documenting damage, accurately filing your claim, and liaising with your insurance provider so nothing is overlooked.

02

Underpayments

If your insurance provider has underpaid your claim, you may not be receiving enough to repair your property. We specialize in reevaluating underpaid claims, ensuring every detail and damage is accounted for.

03

Denials

A denial does not mean the end of the road. Many claims are rejected due to misunderstandings or incomplete documentation. We review denied claims, identify the issues, and advocate for the compensation you deserve.

What We Handle

Claims We Manage

From residential water damage to complex commercial losses — our licensed public adjusters handle every type of property insurance claim across Florida.

Residential

Residential Claims

Assistance with damage from water, wind, hurricane, roofs, leaks, fires, and all other damages covered under your homeowner policy.

Commercial

Commercial Claims

Strategic support for homeowners and businesses that need to document losses and file claims properly with the insurer, minimizing downtime.

Inspections

Inspections & Documentation

Detailed inspections, evidence gathering, comprehensive policy review, and professional estimates that strengthen your claim from day one.

About Ladder & Heels

A Firm Focused on Representing You

We are a firm focused on representing policyholders, with a strong, professional, and approachable brand. Our mission is to guide, educate, and advocate for our clients throughout the entire claims process.
We do not just open a claim. We build a strategy to give you support, evidence, and a professional voice when dealing with the insurance company. Behind every claim is a home, a business, and a family — and that is why we take every case personally.
Ladder and Heels Adjusting team consulting with a client

7+

Years Experience

Why Choose Us

Your Property Deserves a Serious Review

We bring expertise, evidence, and empathy to every case — because your home or business is worth fighting for.

Customer Advocacy

We represent your interests and help you understand what your policy really covers — fighting for the maximum settlement you deserve, every step of the way.

Solid Evidence

We organize photos, estimates, visible damages, and key data to build an airtight case — giving your claim the professional documentation it needs to succeed.

Human Attention

We know that behind every claim is a family or a business. We guide you through the process with empathy, firmness, and unwavering personal commitment.

24/7

Initial Response

Available around the clock for emergencies and urgent claim needs.

100%

Personalized Attention

Every client receives our full focus — your claim is never just a number.

1-on-1

Direct Consultation

Work directly with a licensed adjuster from first inspection to settlement.

Our clients say

Meet the Office

The Professionals Behind Your Claim

Our team brings expertise, dedication, and a personal touch to every case — fighting tirelessly to protect your rights as a policyholder.

Supervisor / CEO

Mari Ivelisse Rivera

Public Adjuster · Lic. W589865

Mari I. Rivera is a licensed Public Adjuster, entrepreneur, and founder of Ladder & Heels Adjusting LLC, a firm specializing in representing homeowners and business owners in property insurance claims.

With more than six years of experience in the insurance industry, she has successfully represented policyholders in both residential and commercial property claims involving covered losses. Her unwavering commitment to ethics, professionalism, and policyholder advocacy has earned her a reputation as a highly respected professional within the industry.

Mari holds a Bachelor’s degree in Business Administration, as well as two Associate degrees in Medical Assisting and Medical Billing & Coding. She is a member of the Florida Association of Public Insurance Adjusters (FAPIA) and the National Association of Public Insurance Adjusters (NAPIA). She also serves on FAPIA’s Public Relations Committee and was selected as a FAPIA Legislative Ambassador, actively contributing to initiatives that strengthen the public adjusting profession and enhance consumer protection throughout Florida.

In addition to her insurance career, Mari serves as Director of Trustees for the Puerto Rican Chamber of Commerce of Central Florida, where she works to strengthen business relationships, foster economic growth within the business community, and promote Hispanic leadership.

Through her technical expertise, leadership, integrity, and commitment to service, Mari I. Rivera has established herself as a respected leader in the community and a trusted voice in the insurance industry. She is dedicated to educating, guiding, and advocating for her clients while protecting their interests with excellence, professionalism, and unwavering integrity.

Office Manager

Ivette Degeneffe

Office Manager · G111510

Ivette takes great pride in being part of Ladder & Heels Adjusting from day one, serving as Office Manager and contributing to the company’s growth since its earliest beginnings. With solid experience in customer service and knowledge of insurance claims handling, she brings organization, professionalism, and an approach centered on the needs of each client.

As Office Manager, Ivette helps oversee daily administrative operations while providing support to both the team and our clients throughout the entire claims process. Her excellent communication and problem-solving skills help keep operations running efficiently and ensure that every client receives the personalized attention and service they deserve.

Ivette feels deeply proud to be an original member of the Ladder & Heels Adjusting team and to have been part of its journey and growth from the very start. She remains committed to the company’s development and to our mission of delivering professional, attentive, and exceptional service to each and every one of our clients.

Public Adjuster

Salvador Santana

Inspection & Insurance Claims Expert · W723929

With more than 25 years of experience in home improvement and strategic planning for multinational corporations, Salvador Santana brings an exceptional level of precision and technical expertise to every property inspection. Based in Central Florida, he leverages his extensive background to identify hidden damage and ensure his clients’ insurance claims are evaluated with the highest standards of integrity and transparency.

Committed to excellence and community leadership, Salvador’s dedication is reflected in his participation in the City of Orlando’s School of Government program (2026). His professionalism, honesty, and client-first approach make him a trusted advocate, focused on protecting his clients’ property and financial interests throughout the claims process.

Trusted & CREDENTIALED

Our Accreditations

We hold ourselves to the highest professional standards. Our memberships and accreditations reflect our commitment to ethics, expertise, and advocacy for every policyholder we serve.

BBB Accredited Business

Recognized by the Better Business Bureau for our commitment to trust, transparency, and ethical business practices.

FAPIA Proud Member

Proud members of the Florida Association of Public Insurance Adjusters, upholding the profession's standards statewide.

NAPIA Member

Members of the National Association of Public Insurance Adjusters, the nation's leading body for licensed adjusters.

Puerto Rican Chamber of Commerce

Active members of the Puerto Rican Chamber of Commerce of Florida, strengthening our ties to the community we proudly serve.

Get In Touch

Let Us Review Your Case

Connect with Ladder & Heels Adjusting LLC and let us evaluate your claim. Our free inspection and consultation is the first step toward a fair settlement — and it costs you nothing.

Schedule Your Free Inspection