Frequently Asked Questions
FAQ
1. What is a public adjuster?
A public adjuster is a licensed professional who represents you, the policyholder, not the insurance company.
We handle, manage, and negotiate your insurance claim to help you receive the maximum settlement you’re entitled to under your policy.
2. How is a public adjuster different from an insurance adjuster?
Insurance company adjusters work for the insurer and aim to protect their interests.
A public adjuster works exclusively for you, ensuring your claim is properly documented, valued, and fairly settled.
3. When should I hire a public adjuster?
You should consider hiring a public adjuster if:
- Your property has suffered significant damage
- Your claim has been delayed, denied, or underpaid
- You feel overwhelmed by the claims process
- You want a professional to handle negotiations on your behalf
4. What types of claims do you handle?
We assist with a wide range of property damage claims, including:
- Fire and smoke damage
- Water and flood damage
- Storm, wind, and hail damage
- Mold damage
- Business interruption claims
5. How much does it cost to hire a public adjuster?
We work on a contingency fee basis, meaning we only get paid if you get paid.
Our fee is typically a percentage of the final settlement, and there are no upfront costs.
6. Will hiring a public adjuster increase my claim payout?
While every claim is different, studies and industry experience show that policyholders who use public adjusters often receive higher settlements than those who handle claims on their own.
7. Can you reopen an existing claim?
In many cases, yes. If your claim was underpaid or denied, we can review it and determine whether it can be reopened or supplemented for additional compensation.
8. How long does the claims process take?
The timeline varies depending on the complexity of the claim, the extent of the damage, and the responsiveness of the insurance company.
We work efficiently to move your claim forward as quickly as possible.
9. Do I still need to communicate with my insurance company
No. Once you hire us, we handle all communication, documentation, and negotiations with your insurance company, so you don’t have to.
10. Is hiring a public adjuster worth it?
If your claim is large, complex, or disputed, having a professional advocate can make a significant difference in both the outcome and your peace of mind.
11. How do I get started?
Simply contact us for a free consultation. We’ll review your situation, explain your options, and guide you through the next steps.