Frequently Asked Question
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What Does a Public Adjuster Do?
A public adjuster is a licensed insurance claims professional who works on behalf of policyholders—not insurance companies. Their job is to:
✔️ Assess property damage and losses
✔️ Review and interpret your insurance policy
✔️ Prepare and file your claim properly
✔️ Negotiate with the insurance company to maximize your payout
If your claim has been delayed, underpaid, or denied, a public adjuster fights for your rights and ensures you receive the settlement you deserve.
What’s the Difference Between an Insurance Adjuster & a Public Adjuster?
- Insurance Adjuster: Works for the insurance company, aiming to minimize payouts and protect the company’s bottom line.
- Public Adjuster: Works for you, the policyholder, to maximize your claim and make sure you get every dollar you’re entitled to.
Hiring a public adjuster ensures that you have an expert on your side, advocating for your best interests—not the insurance company’s profits.
What Should I Gather Before Calling a Public Adjuster?
To get the best results, it’s helpful to have:
✔️ Photos or videos of the damage
✔️ Any correspondence from your insurance company
✔️ A contractor’s estimate for repairs (if available)
If you’re missing some documents, don’t worry—we can help you gather what you need!
What Are the Benefits of Hiring a Public Adjuster?
Working with a public adjuster means you have an expert helping you navigate the nightmares of the claim process
🔹 Expert Policy Knowledge – We know the fine print and ensure you get what you’re entitled to.
🔹 Stronger Negotiation Power – We handle all communication with the insurance company.
🔹 Faster Claims Process – No unnecessary delays or lowball offers.
🔹 Maximized Settlements – We ensure every dollar of your claim is accounted for.
Why Do Insurance Companies Deny Claims?
Insurance companies deny claims for various reasons, including:
⚠️ Policy Declarations – Changes your insurance company may have made without your knowledge.
⚠️ Policy Exclusions – The damage may not be covered under your policy.
⚠️ Lack of Documentation – Insufficient evidence of damage or loss.
⚠️ Missed Deadlines – Filing outside the required time frame.
If your claim was denied, don’t accept it without a fight! We can review your policy and challenge unfair denials.
When Disaster Strikes, What Should You Do?
✅ Do: Document the damage, take photos, and secure your property from further harm.
❌ Don’t: Sign anything from your insurance company before speaking with a professional.
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