What to expect

A public adjuster is a licensed insurance professional who can assist policyholders in filing and negotiating insurance claims. Here are the steps involved in the claims process with a public adjuster:

  1. Assessment of damages: The public adjuster will inspect the damage to your property and assess the scope and extent of the loss.
  2. Documentation: The adjuster will document the damages by taking photos, videos, and notes, and compile a detailed estimate of the cost of repairs or replacement.
  3. File claim: The adjuster will file the claim with the insurance company and manage all communication with the insurance company on your behalf.
  4. Negotiation: The adjuster will negotiate with the insurance company to ensure that you receive a fair settlement. They will advocate for your interests and push for the maximum payout under the terms of your policy.
  5. Settlement: Once a settlement has been reached, the adjuster will provide you with a detailed report outlining the settlement terms and the amount of the payout.
  6. Payment: The insurance company will issue a check for the settlement amount, which will be deposited into your account. The public adjuster will typically take a percentage of the settlement as their fee for their services.

Overall, a public adjuster is a valuable resource for policyholders who need help navigating the claims process and ensuring that they receive a fair settlement for their losses.