Frequently Asked Questions

What is a public adjuster?
A public adjuster is a licensed professional that property owners hire when they experience property damage. Their primary purpose is to represent the insured’s best interest during a claim to assure they receive their entitled insurance settlement.

Why should I hire a public adjuster?
Navigating an insurance claim is often a complex and daunting process. Public adjusters are experts in navigating insurance coverage, negotiating with carriers, and maximizing claim settlements. Hiring a public adjuster assures that a claim will receive the attention it requires and prevents insurance companies from denying or underpaying on the settlement.

When should I hire a public adjuster?
You should hire a public adjuster as soon as a claim occurs. The earlier a public adjuster gets involved in the process, the less likely you will feel overwhelmed and stressed. Public adjusters work with insurance carriers to navigate the damage and help you understand what coverage you have in place and the amount of settlement of you deserve.

My insurance carrier already assigned an adjuster; can I use them to settle my claim?
You can, but the insurance carrier’s adjuster is an employee of the company. They are trained to look out for the carrier’s best financial interests, not the insured’s. Hiring a public adjuster is the best way to protect your financial interests. Since public adjusters are experts at settling claims, they can negotiate a higher settlement than most individuals can accomplish on their own.

Can I rely on my insurance agent to settle my claim?
While insurance agents are experts on coverage, in most cases they are not trained to appraise and assign value to property damage. Public adjusters have the necessary education and knowledge to review claims and assign an appropriate value for damage repair.

How much does it cost to hire a public adjuster?
The best part about hiring a public adjuster is we only get paid when you receive a settlement, so you have little to lose. We collect a small percentage of the settlement received from the insurance carrier. Not collecting any fees upfront assures that we are always working with your best interests in mind.

How does a public adjuster know how much to make a claim for?
As a licensed public adjuster, it is our responsibility to get you the settlement you need to rebuild. We review the property damage and calculate the costs of rebuilding and repairing.

I’m not satisfied with my insurance settlement, is it too late to hire a public adjuster?
It is not too late to hire a public adjuster. In many states, insurance claims can be re-opened within three years. If you aren’t happy with your settlement, call us today. We can review the claim, damage, and go back to the carrier as your advocate to negotiate a better outcome.

Will my insurance carrier increase my premium if I file a claim?
Insurance carriers vary with their stance on claims and rate hikes. There is a chance your premium will go up.

Will my insurance carrier cancel my coverage if I file a claim?
It is not likely, but every insurance company is different. If they decide to cancel coverage, you will receive a notice in advance.

How long will the insurance carrier take to pay my claim?
Insurance carriers can take up to ninety days to settle claims. This time may be reduced by hiring a public adjuster to manage the claim for you.