A state licensed Public Adjuster, is an insurance claims adjuster who advocates for the policyholder in order to recover what you are entitled to in the event of a loss. A state licensed Public Adjuster is the ONLY type person that can legally represent the rights of an insured during the insurance claim process. Home Improvement Contractors are NOT legally licensed to negotiate an insurance claim.
Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help. Handling an Insurance claim without a Public Adjuster, is like walking into a courtroom without a Lawyer!
Public adjusters are very knowledgeable claims advocates, who utilize the services of insurance appraisers, engineers, estimators, loss mitigators, along with other experts as needed. A public adjuster will meticulously sort through all the evidence, and document everything for you, in order to recover what you are entitled to under your policy.
You’ll ALWAYS receive a higher settlement from the insurance company if you use a public adjuster, for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage. Studies have clearly proven, that estimates and inventories compiled by homeowners without the help of the Public Adjuster, are missing lots of important information needed for fair settlement.
The insurance company adjuster or independent claims adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. In fact the insurance company adjuster/independent adjuster specifically work to protect the interest of the insurance company, making every effort to assure the lowest claim settlement possible. A Public Adjuster however, is a State Licensed Insurance Adjuster who works exclusively for you, the policyholder. We are experts in reading the policy fine print, understanding your policy coverage, and the insurance company’s responsibilities, in order to negotiate a fair settlement.
Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.
Usually, it is not too late. State law allows a few years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, please contact us. We will carefully audit and analyze your claim and give you our professional opinion.
We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion.
The standard fee for public adjusting services is a State mandated percentage of the amount recovered from the insurance company. These fees are regulated by the State Legislature, Insurance Department and are explained in a State approved contract.
NO! It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by under State Law.
A State Licensed Public Adjuster, is an insurance adjuster who is licensed, certified and regulated by the Department of Insurance in each State to work for the exclusive benefit/interest of the policyholder ONLY.
You should call one immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.
