Frequently Asked Questions

Insurance companies prioritize their bottom line, and the adjusters they employ are often overworked and incentivized to save the company money. This can result in your claim being undervalued, as these adjusters may not have the time or motivation to find everything you're entitled to.

A public adjuster, on the other hand, works only for you. They are not limited by the insurance company's interests and will work diligently to prepare and present your claim to get you the maximum settlement possible.

The fee for a public adjuster is typically a percentage of the final settlement amount, and it is almost always on a contingency basis. This means that if you don't receive a settlement from your insurance company, you do not owe the public adjuster a fee. Our service fee is only due upon receipt of payment from the insurance company, aligning our interests directly with yours: we get paid only when you do!

When you file a claim, your insurance company will send an adjuster to assess the damage. While they may seem helpful, it's important to remember that their primary job is to protect the insurance company's bottom line. They are trained to minimize the amount paid out on a claim, not to maximize your settlement.

As a home or business owner, you are likely unfamiliar with the complexities of insurance policies, building codes, and claims law. This puts you at a significant disadvantage.

By hiring a public adjuster, you are putting a dedicated professional in your corner. We work exclusively for you, ensuring your rights are protected and that you receive the maximum settlement you are entitled to under your policy. We handle the entire process, from a detailed assessment of damages to preparing a comprehensive claim, so you can feel confident and secure throughout the process.

Reading your insurance policy is a good first step, but it likely won't give you a full understanding of your rights. Here's why:

The Policy's Complex Language

Insurance policies are notoriously complex documents filled with dense clauses and legal jargon that can be difficult to interpret. A public adjuster has the expertise to decipher this language and understand how the insurance company will apply it to your specific claim.

Unfamiliar Laws and Statutes

Beyond the policy itself, there are also state and federal laws and statutes that govern the insurance industry. These laws can significantly impact your claim, but most policyholders aren't aware of them. A public adjuster is an expert in this field and will use this knowledge to advocate for you.

By hiring a public adjuster, you're not just getting a claim handler; you're gaining an advocate who can professionally interpret your policy and navigate the legal landscape on your behalf.

While you absolutely have the right to handle your own insurance claim, it's important to be realistic about what that entails. Without the proper tools and expertise, you'll be at a significant disadvantage.

A public adjuster stands on equal footing with the insurance company. We have access to the same professional software, estimating tools, and resources needed to accurately prepare and present your claim. This allows us to properly document the full scope of your loss, ensuring you get a fair and just settlement.

The time it takes to settle a claim can vary widely depending on its complexity. A simple, small claim might be resolved in just a few days. However, a major claim, like a fire loss, often takes between 60 and 120 days to fully process.

Every public adjuster understands you want to get your life back to normal as quickly as possible. We work diligently to ensure your claim is processed both quickly and efficiently. Our goal is to balance speed with a thorough approach that maximizes your settlement, ensuring you get the full benefits you're entitled to.