Have Questions? We’ve Got Answers.
Everything you need to know about our services and the claim process.
General Questions
A public adjuster is a licensed professional who works exclusively for you, the policyholder, to manage and settle your insurance claim. Unlike the adjuster assigned by your insurance company, who represents the insurer's interests, we work solely to protect your interests. Our role is to meticulously document your damages, interpret your policy, prepare a detailed claim, and negotiate with your insurance company to maximize your financial settlement.
The adjuster assigned by your insurance company works for them. Their priority is to minimize the payout to protect the company's bottom line. By hiring us, you ensure you have an expert on your side who is solely dedicated to advocating for your best interests and securing the full and fair settlement you are entitled to under your policy.
A contractor is hired to repair the damage to your property, while a public adjuster is an insurance expert who handles the financial claim. We are your advocate in the financial process, ensuring that the scope of work and the cost to repair are fully covered by your policy. A contractor can't legally act as your adjuster. We work with you to ensure your contractor's estimate is fully covered, so you can focus on the repairs.
Claims Process
We help policyholders with a wide range of property damage claims, including:
Storm & Hurricane Damage: Wind, hail, and rain damage to your roof, siding, and property.
Water & Flood Damage: From burst pipes, appliance leaks, or plumbing failures.
Fire & Smoke Damage: Structural damage, soot, and odor from fires.
Mold & Roof Leak Damage: Remediation and restoration resulting from a covered water loss.
Essentially, if your home or business has suffered damage that you believe is covered by your insurance policy, we have the expertise to help you navigate the claim.
Our process is designed to take the burden off your shoulders:
Free Consultation: We review your policy and damage to see if we can help.
Investigation & Documentation: We thoroughly document every detail of your loss to build a strong claim.
Claim Preparation & Submission: We prepare and submit a detailed estimate and proof of loss to your insurance company.
Negotiation: We handle all negotiations with the insurance adjuster on your behalf.
Final Settlement: We work to secure a fair settlement that fully covers the cost to repair or rebuild your property.
You are kept informed at every step while we handle the complex paperwork and negotiations.
The timeline varies depending on the complexity of the damage and your insurance company's responsiveness. A straightforward claim may be resolved in a few weeks, while a complex one (like widespread hurricane or fire damage) can take several months.
Our goal is to ensure a thorough and fair settlement, not just a fast one. As your advocate, we will persistently follow up with the insurance company to keep the process moving as efficiently as possible and fight for the maximum settlement you are entitled to under your policy.
Costs & Fees
We work on a contingency fee, which means we are only paid if we successfully secure a settlement for you. Our fee is a small percentage of your final insurance settlement (typically 10%-20%), and you pay nothing upfront. This aligns our interests with yours, as we are motivated to get you the largest settlement possible.
No, we work on a contingency fee, which means we are only paid if we successfully secure a settlement for you.
Insurance & Settlements
Yes. It is not too late to get the settlement you deserve. We can review a denied or low-ball offer, reopen the claim, and often negotiate for a significantly higher settlement. We have a strong track record of successfully getting denied claims reevaluated and paid.
No. It is against the law for an insurance company to raise your rates or cancel your policy simply because you hired a public adjuster to assist with your claim. You have the right to professional representation to ensure you receive the full benefits of the policy you have paid for.
Yes. Studies have shown that policyholders who hire a public adjuster often receive a significantly higher settlement than those who handle their claims on their own. This is because we have the specialized expertise to fully document all damages, interpret complex policy language, and negotiate with the insurance company from a position of strength.