Frequently Asked Questions

What is a public adjuster? 

A Public Adjuster is a licensed and bonded professional who is regulated by state statutes. Public Adjusters are required to have extensive training and today must go through a one-year apprenticeship program before they can represent a claim. In addition to attending many seminars and meetings, Public Adjusters are required to complete 24 hours of continuing education and test every two years. A Public Adjuster works solely on your behalf. A Public Adjuster will prepare accurate estimates reflecting current market cost, meet with the insurance adjusters, prepare all necessary documentation, communicate with the insurance adjuster on all matters, and make certain you achieve the equitable settlement you are entitled to. 

If a previous claim was denied, am I entitled to a second opinion?

Yes. Public adjusters can re-open claims and try to reach a settlement with the insurance company to pay for the damages of your property.

How do public adjusters get compensated from each claim?

Public adjusters receive a small percentage of the amount the claim was settled for.  The client does not pay out-of-pocket.

Will I reach a higher settlement if I hire a public adjuster?

Insurance companies pay the minimum for your damages, if at all. Public adjusters are skillful negotiators who insist for the insurance companies to pay an amount

Will my insurance raise my rates if I hire a public adjuster?

The Department of Insurance law prohibits insurance companies from taking any adverse actions on the insured for electing the right to representation on an insurance claim 

If I have already received a payment from my insurance company, will a public adjuster be able to help? 

Yes. You are entitled to receive the maximum amount of coverage for your loss. We will re-open the claim and fight to recover the full amount you are entitled to under the policy