What is a Public Adjuster?  
A public adjuster is a licensed professional that policyholders hire to represent their interest in an insurance claim.


My friend told me I can do everything myself. What's the benefit of hiring an adjuster?
Claims can be stressful, time consuming, and doing it solo can get you a smaller payout. Most claimants that hire a public adjuster receive a higher settlement. If you're not familiar with construction and insurance law and don't have the 5 years of training that we have, you probably will receive much less than if you hire us.

 

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My Contractor told me he'll do it for free?

 1) Despite claims from various contractors, we have yet to find anyone consistently achieving optimal results

 2) I took over a lot of claims after contractors gave up.

 3) most contractors that handle insurance claims for free charge you more than 10% extra on the rebuild vs a cash job.

4) because of screwups, it's illegal for contactors to take care of a claim.


The insurance company said I'm not covered, can I still get compensation?
Yes, we have overturned several denials. It's in your best interest to always  get a second opinion from a licensed public adjuster.


Will my homeowners insurance premium go up because I file a claim?
I haven't found anyone yet, that made a claim above $20,000 that lost out or regretted their claim, because their premium went up. All claims should go off the record for premium increase after 7 years. 


Will anything illegal be done?
Everything we do is 100% legal and ethical. We don't lie or manufacture damage, because we get great settlements without doing that. If you lie to us we can't guarantee a great settlement.


what is our fee? 
Our fee on new claims is around 10% Contingency, with NO upfront costs or additional fees. (the average lawyer costs 30% or more).  On new claims we can make sure you that no money will need to come out of pocket, sometimes you'll need to pay your deductible.

 

Should I wait to hire a Public Adjuster?

        The reasons why you should hire a Public Adjuster ASAP....

1. If you don't document the claim correctly, evidence can get lost and it might be too late to recover.

2. Your words can be taken out of context, and it might be used against you.

3. Do you know the difference between a  water backup,  blockage, pipe burst , overflow and flood? people have used the wrong word and got denied when they shouldn't of.

4. If nobody makes a thorough examination of your property, and 6 months later you find damage. How will you prove it's related to the claim and not wear and tear.

5.  why would you trust the person owing you the money,  to be 100% honest and give you the maximum you're entitled?!

6. If you don't know your obligations to prove your loss, how are you going to perform it?   -Cal Spoon

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What services is included by hiring us?​

1. We can take care of every part of the claim, including Dwelling, Personal Property, Additional Living Expenses, dealing with your mortgage company etc. But, we will not help you with conflict resolution with your contractor.

2. We find hidden and overlooked damage, and get you compensated for it.

3. We know the insurance rules well, and ensure they don't take advantage of you.