We negotiate your home or business property insurance claim for the best financial outcome.

The adjuster, consultants, estimators, and engineers that work for the insurance company are also paid by the insurance company. There is no one in that process advocating for you to ensure your claim is paid correctly and that every coverage you have paid for is tapped into. The PA protects your interests the way the insurance company adjuster represents the insurance company’s interests. The insurance company is in business to make money. The more they pay in claims, the less profit for them.

Your insurance policy requires you to present and prove your claim. You must justify and detail every dollar that you expect the insurance company to pay. It is not the responsibility of the insurance company’s adjuster to do this. Large claims are complex; there are many ways to value property, and also many decisions as to what should be included in the claim. The PA assembles the claim from your vantage point, capturing every dollar possible. The adjuster for the insurance company does not take this approach.

Insurance Adjusters are NOT the same as Public Adjusters. Insurance Adjusters work for the insurance company and their job is assess the claim in a way that covers the policy (usually at a minimum) and maintains the best interest of insurance company (meaning, representing THEM, NOT YOU).

A Public Adjuster is the opposite– their job is to represent YOU, the homeowner, in a way the looks out for YOUR best interest and helps you get the MOST out of your damage claim (not the bare minimum, like the Insurance Adjuster).

Remember, the adjuster assigned to your claim by your insurance provider typically has a close relationship with the insurance company and is always going to be working to serve the best interests of their client (the provider) to keep getting consistent work from them. Hiring your own public adjuster is similar to hiring your own lawyer to fight for you and make your case. You wouldn’t want a lawyer that works for the other side representing you in court..

Most attorneys and CPA’s are not specialists in this area. Public Adjusters are often brought in by attorneys and CPA’s to provide the expertise required for policy interpretation and maximizing the dollar values of a claim. Without a Public Adjuster involved, CPA’s and attorneys typically use the dollar values provided by the insurance companies.

It takes a lot of research, inspection and documentation to be able to settle a property loss insurance claim. If you have a lot of damage, it’s important you don’t receive the same standard settlement.

Until a disaster happens, claim issues are not something a person would pay attention to. Also, people are under the false impression that the adjuster for the insurance company is their advocate, ensuring a full, maximized pay-out from a claim. That is why expert public adjusters are pro-active in reaching out to offer needed services to people suffering a recent property loss.