Public adjusters are professionals who are employed exclusively by a policyholder who has sustained an insured loss.  They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible.  A public adjuster inspects the loss site, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs, and exclusively serves the client, not the insurance company.

A public adjuster is paid based on a percentage of the settlement amount, which by law may not exceed 10% of the NET settlement amount.  We offer consultations and property inspections free of charge. Therefore, if there is no recovery…..there is no fee.

A sampling of the types of residential or business losses a public adjuster can assist with:

• hail
• flood
• fire
• explosion
• hurricane and wind damage
• riot or civil commotion
• smoke damage
• vandalism or theft

Often, physical damage loss can trigger numerous additional losses for businesses. The numerous business insurance forms a public adjuster will assist with are:

• business income
• builders' risk
• mechanical and electrical breakdown
• extra expense and expediting expense
• leasehold interest
• loss of use
• product inventory
• tenant improvements.

A public adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A public adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments and a successful conclusion of your claim.

• Evaluate your insurance policy to determine coverage
• Research, detail, and substantiate every aspect of your claim
• Prepare an accurate and detailed estimate of covered damages.
• Negotiate the maximum settlement you are entitled to

NO RECOVERY • NO FEE