Public Adjusting

Public adjusting is at the heart of what we do. When you experience property damage, filing an insurance claim can be confusing, frustrating, and time-consuming. There are policy terms to interpret, forms to complete, inspections to attend, and negotiations to manage. Without an experienced advocate, it is easy for important details to be overlooked, which can lead to lower settlements or delays.

As licensed, bonded, and insured Public Adjusters, we represent you, the policyholder, from the start of your claim through its final resolution. Our role is to level the playing field between you and your insurance company, making sure your rights are protected and that you receive the full benefits available under your policy.

We manage every stage of the claim, including:

Policy Review
Every claim begins with understanding your insurance policy. We review your coverage in detail to determine what is included, what is excluded, and how any endorsements or limitations may apply to your situation. This helps set realistic expectations and allows us to identify any potential challenges before they become obstacles.

On-Site Inspection
We conduct a thorough inspection of your property to find and document all damage related to the loss. This includes both visible and hidden damage, which can be overlooked during an initial assessment. Our inspections may involve photographs, measurements, moisture readings, and, when necessary, specialized technology to ensure nothing is missed.

Detailed Estimating
Using industry-standard estimating software and current pricing data, we prepare a detailed, line-by-line breakdown of all repairs or replacements needed. This step ensures that every component of your loss is documented, quantified, and supported by credible numbers. The more accurate the estimate, the stronger the claim.

Claim Management
We take over all communications with your insurance company. This includes submitting all required documentation, responding to requests, following up for updates, and keeping the process moving forward. By allowing us to handle these communications, you avoid the frustration of repeated calls, unanswered emails, or being passed from one person to another.

Negotiation and Settlement
Once the insurance company has reviewed the claim, we begin the negotiation process. Our goal is to ensure that the settlement offer reflects the full scope of the damage and the true cost of restoration. We address any discrepancies, challenge low offers, and present evidence to support a higher payment when necessary.

Maximizing Recovery
Our role is not just to get your claim paid, but to get it paid correctly. Studies have shown that policyholders who work with a Public Adjuster often receive significantly higher settlements than those who handle claims on their own. We use our knowledge, experience, and persistence to help you achieve the best possible outcome.

Whether you are filing a brand-new claim, dealing with a long-delayed payout, or trying to reopen a claim that has been underpaid or denied, our team has the experience and resources to guide you every step of the way. We are here to protect your interests, reduce your stress, and give you the confidence that your claim is being handled properly from start to finish.