Why Do I Need a Public Adjuster?
Overwhelmed. Stressful. Exhausting. Devastating.
These are some of the feelings you have when you experience a catastrophic event at your home or business. Hiring a Public Adjuster will help alleviate some of these feelings. We work directly for you and become your single point of contact to quarterback your claim. A good Public Adjuster will be more accessible than the carrier and walk you through the restoration and claim process from start to finish. We are here to answer any questions you may have along the way.
You may also require a Public Adjuster when your insurance claim is complex, disputed, or potentially underpaid, as we work exclusively for you (the policyholder). Unlike the insurance company’s adjuster, whose goal is often to minimize payouts, we work to maximize the settlement.
Key Reasons to Hire One
- Higher settlements: Public Adjusters often secure significantly more money. Studies and data show increases ranging from 170% on average for residential claims to 747% for catastrophic events (like hurricanes in Florida, per a state OPPAGA report). Even after their fee (up to 12.5% in New York), policyholders usually net more than handling it alone.
- Expertise and thorough documentation: They know insurance policies inside out, spot hidden or overlooked damage, interpret coverage details, and prepare professional estimates—things many homeowners miss, leading to underpayments.
- Stronger negotiation: Insurance companies may lowball offers or delay. A Public Adjuster levels the playing field with industry knowledge and tactics, pushing back effectively.
- Time and stress savings: Claims involve extensive paperwork, inspections, deadlines, and communications. They handle everything, freeing you to focus on recovery, especially after major losses (e.g., fire, flood, storm).
- Best for large or complicated claims: Ideal for significant damage (e.g., roof, water, structural), denied/underpaid claims, or when you’re unsure about coverage.
