Lightning strikes are named covered perils, but insurers frequently dispute whether the lightning actually caused your electrical damage or if it was just “old age.” Do not throw away any damaged electronics, appliances, or melted wiring before the adjuster inspects them. If your HVAC system is damaged, you need an independent technician to explicitly document … Read more
The honest reality: Almost every pros and cons list about public adjusters is written by a public adjuster. This guide provides a neutral assessment of where they actually add value and where they simply cost you money. The biggest pro: They build an independent, line-by-line scope of your damage using industry software. Industry research consistently … Read more
Water damage claims are frequently underpaid not because of coverage denials, but because the adjuster’s initial scope misses hidden moisture behind walls and under floors. A thorough inspection requires moisture readings and thermal imaging; visual-only inspections almost always lead to incomplete settlements. Industry standards dictate specific drying equipment and timeframes. If your settlement cuts these … Read more