The public adjuster process starts with a free, no-obligation initial review of your damage and policy to determine if there is actually room to increase your settlement. Once you sign a contract, a “communication blackout” occurs between you and the insurer; the public adjuster takes over all direct negotiations, emails, and phone calls. A properly … Read more
A public adjuster is the only licensed insurance professional in the claims process whose financial interest is entirely aligned with yours. They do not work for the insurance company; they work exclusively for the policyholder to document damage, interpret policy language, and negotiate the settlement. Public adjusters are paid on a contingency fee basis, meaning … Read more
Not all home insurance claims are treated equally. The specific type of damage you claim directly dictates how adjusters investigate it, the likelihood of a scope dispute, and the common reasons for underpayment. Water damage and roof claims have the highest volume and the highest rate of scope disputes, usually revolving around hidden moisture or … Read more