Property Claims FAQs
What is a public adjuster?
A public adjuster is a licensed professional hired by you, the policyholder, to represent your interests during an insurance claim. Unlike insurance company adjusters who work for the insurer, we work exclusively for you to ensure your claim is properly documented, fairly valued, and fully compensated.
Why should I hire a public adjuster instead of handling my claim myself?
Insurance claims can be complex, with policies full of fine print and processes that favor the insurer. We bring expertise, experience, and time-saving skills to the table—leveling the playing field. Our team investigates damage, estimates repair costs, and negotiates with your insurance company to maximize your settlement, often recovering more than you could on your own.
When should I contact a public adjuster?
The sooner, the better! Ideally, contact us right after you experience a loss—whether it’s from a fire, storm, flood, or other disaster. Early involvement allows us to document damage before repairs begin and build a stronger case. That said, we can step in at any stage of the claim process, even if it’s already underway.
How much does it cost to hire a public adjuster?
We typically work on a contingency fee basis, meaning our fee is a percentage of the settlement we secure for you—no upfront costs. If we don’t recover money for you, you don’t pay us. Fees vary depending on the complexity of the claim, but we’ll discuss everything transparently during your free consultation.
What types of claims do you handle?
We handle a wide range of property damage claims, including: Fire and smoke damage, Water damage (floods, leaks, burst pipes), Wind and storm damage (hurricanes, tornadoes), Theft and vandalism, Business interruption losses. No matter the size—residential, commercial, or industrial—we’ve got you covered.
How long does the claims process take with a public adjuster?
The timeline depends on the complexity of your claim, the insurance company’s response, and the extent of the damage. With our expertise, we aim to speed things up by submitting thorough documentation and negotiating efficiently. Simple claims might resolve in weeks, while larger or disputed claims could take months. We’ll keep you updated every step of the way.
What’s the difference between a public adjuster and an insurance company adjuster?
An insurance company adjuster works for the insurer, with the goal of minimizing payouts. As public adjusters, we work for you, focusing on maximizing your recovery. We’re independent, licensed professionals who prioritize your needs, not the insurance company’s bottom line.
Can you help if my claim was already denied?
Yes! A denied claim doesn’t mean the end of the road. We’ll review your policy, investigate the denial, and gather new evidence if needed to appeal or reopen your case. Many denials stem from errors or misunderstandings we can correct on your behalf.
How do you investigate my claim?
We conduct a detailed investigation to support your claim, including: On-site inspections to assess damage, Reviewing your insurance policy for coverage details, Documenting losses with photos, videos, and reports, Consulting experts (e.g., engineers) if necessary. This thorough approach ensures your claim stands up to scrutiny.
What is an insurance appraisal, and when is it needed?
An insurance appraisal is a formal process to resolve disputes over the value of a claim when you and your insurer disagree. We act as your appraiser, presenting evidence to determine a fair settlement. It’s often needed when negotiations stall, and it’s faster than litigation. We’ve successfully handled appraisals for claims big and small.
Will hiring a public adjuster upset my insurance company?
Not at all. Policyholders have the legal right to hire a public adjuster, and insurance companies are used to working with us. Our professional approach often streamlines the process, leading to quicker resolutions—something insurers appreciate too.
How do I get started?
Getting started is easy! Contact us for a free, no-obligation consultation. We’ll review your situation, explain your options, and outline how we can help. Call us at [Phone Number], email [Email Address], or fill out our online form. Let’s get your claim on track today!