What does a public adjuster do?

A public adjuster protects you, the insured. We work to provide relief for our clients in an already stressful time. We take the burden out of handling the details of the claim. Public Adjusters are licensed and bonded with the state to represent YOUR financial interest in your property.

When and why Should I Hire A Public Adjuster?

Hire a public adjuster as early as possible for the best outcome. Even if you claim has been denied or you feel your settlement offer was not sufficient, call a public adjuster. A public adjuster protects you from your own insurance provider by researching, documenting, preparing estimates, negotiating and advocating on your behalf.

what is the cost To hire a public adjuster?

A public adjuster only gets paid when their client gets paid by the insurer. Public Adjusters get a small fixed percentage of the settlement amount. This is how you know we are working to get our client the best possible settlement.

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Can a public adjuster get an additional settlement on a claim previously filed?

Yes, if you feel that a previous claim was not settled appropriately or even denied, our team of public adjusters will help you re-open a claim and help you get what you are entitled to. More often than not, we get you a higher amount than you had previously received. You have three years from the date of loss to reopen a claim.

How long does the claim process actually take?

The first check from an insurance company, known as the “undisputed amount”, will arrive within approximately 90 days. After that, depending on the course of action allowed in your contract, it can take another three to six months to complete the adjustment and settlement of your claim.

What is Mediation?

Mediation is a process that takes place between the time of receiving your settlement and filing a law suit against the insurance company for an additional settlement. Mediators are professionals that are trained to hear both parties and move them towards an amicable and fair agreement. The mediator meets with a representative from the insurance company and your public adjuster to reach an agreement. Mediation generally takes less than an hour and is not binding unless both parties come to an agreement. The alternative will be a lawsuit and most insurance companies will do what they can to avoid going to trial.

Appraisal happens when our positions on a claim settlement are too far apart. In the appraisal process, both sides agree on a neutral umpire who will make the financial determination on the claim. Before meeting with the umpire, both sides meet to review each estimate and try for compromise. If a compromise is not possible, all information is sent to the umpire, who makes a final, no questions asked, decision.