The process of filing an insurance claim after property damage can be overwhelming, time-consuming, and complex. An initial denial or a low settlement offer from your insurance company’s adjuster can leave you feeling frustrated and undercompensated. This is where a Public Adjuster steps in as your dedicated advocate.
A Public Adjuster is a licensed professional who works exclusively for the policyholder, not the insurance company. Their sole mission is to ensure you receive the maximum possible settlement you are entitled to under your policy.
If you are unsure about the value of your claim, we encourage you to start with a Free Claim Review. This initial consultation will help determine if you can benefit from professional representation.
Public Adjusters are successful at significantly increasing claim payouts—with some studies showing they can negotiate substantially larger settlements—because they leverage expertise, thoroughness, and advocacy that is in direct opposition to the insurer’s goal of minimizing payouts.
Here is a breakdown of how a Public Adjuster increases your claim value:
The insurance company’s adjuster may only perform a quick, surface-level inspection, which can lead to missed damage.
Insurance policies are complex legal contracts filled with jargon, exclusions, and limitations that are difficult for the average person to understand.
A claim’s strength is based on its documentation. Public Adjusters excel at building an irrefutable, professional case.
A Public Adjuster is a seasoned negotiator who understands the insurance company’s tactics.
The following steps outline the typical process a Public Adjuster follows to manage your claim, from initial contact to final settlement
| Step | Public Adjuster Action | Policyholder Benefit |
|---|---|---|
|
1. Initial Consultation
|
Provide a Free Claim Review to evaluate your loss and policy coverage.
|
No-obligation assessment to determine if professional representation is necessary and how to proceed.
|
|
2. Engagement & Policy Analysis
|
You sign a contract. The Public Adjuster assumes communication and sends a Letter of Representation to the insurance company. They conduct an in-depth review of your policy to determine all available coverage.
|
You immediately relieve the stress of dealing with the insurer. They identify coverage limits, time restrictions, and potential extensions.
|
|
3. Thorough Inspection & Estimate
|
Conduct a detailed inspection (often with specialized tools) to identify all damages, including hidden losses. They prepare a comprehensive, itemized estimate using professional software.
|
Ensures all damages—including those missed by the company adjuster—are documented and valued at their true replacement or repair cost.
|
|
4. Claim Preparation & Submission
|
Compile all documentation (photos, estimates, inventory, expert reports) into a professional proof-of-loss package and formally submit it to the insurance company.
|
The claim is presented in a strong, organized, and complete manner, speeding up the process and maximizing payout potential.
|
|
5. Negotiation & Communication
|
Attend all meetings with the insurance company’s adjuster and handle all correspondence and paperwork. They negotiate the final claim value.
|
Protects you from making procedural errors and ensures your best interests are represented at all times.
|
|
6. Settlement & Payout
|
Review the final settlement offer to ensure it is fair and complete based on your policy. Once you approve, they help facilitate the payment process.
|
You receive the maximum, fair compensation, and the Public Adjuster is paid a pre-agreed percentage from the settlement proceeds.
|
5-Star Rated on Google for Excellence and Results
Contact us for a Free Claim Review today to start your path to a fair settlement.
