How a Public Adjuster Works: Maximizing Your Insurance Claim
When disaster strikes, navigating insurance claims can be overwhelming. Public adjusters work exclusively for you—the policyholder—to secure maximum settlements from your insurance company.
The Public Adjuster Process
1. Initial Consultation
- Document what happened and how damage occurred
- Assess previous claim denials or underpayments
- Identify potential obstacles
- Obtain authorization to represent the policy holder and relay paperwork to the insurance company
2. Policy Investigation
- Review insurance policy provisions and limitations
- Identify exclusions and conditions
- Determine maximum potential recovery
- Examine applicable state regulations and legal precedents
3. Documentation Collection
- Gather building history and property records
- Create detailed inventory of damaged items
- Compile photographic evidence
- For businesses: Analyze interruption impact and revenue losses
4. Claim Presentation
- Review findings with you
- Prepare professional claim package
- Submit comprehensive documentation to insurance company
- Support with policy justifications
5. Negotiation and Settlement
- Respond to insurer requests for clarification
- Negotiate based on policy terms and documented damages
- Keep you informed throughout
- Secure prompt payment once settled
Why Choose a Public Adjuster?
Insurance companies have adjusters protecting their interests. A public adjuster levels the playing field, ensuring you receive the full settlement you deserve under your policy terms.
Don’t face the claims process alone. Contact a licensed public adjuster today.