A Public Adjuster is a trained professional who represents you, the policyholder, by preparing, filing and adjusting your insurance claim, to maximize your settlement.
 

The insurance company’s adjuster works for the insurance company, not the policy holder.  A public adjuster works for you, the policyholder, and has the experience and knowledge to maximize your settlement.
 

Look out for restoration contractors that arrive without your prior knowledge or contractors which the insurance company recommends.  Be careful these are contractors that care more for there on going and future business with the insurance company than taking care of your problems.   Remember never allow these people to dictate how your damaged property should be restored.
 

Complete a computerized inventory of all personal items and establish a value. Prepare a scope of the structural damage.  Ensure that all provisions in your policies are fulfilled.  File and negotiate your claim with the insurance company to maximize your claim.
 

Yes, you have the only and final say in this important decision.  To often, many homeowners make the regrettable mistake of not asserting this right or relying on their insurance company's adjuster to make this important decision. Based on our experience, homeowners fare much better when they choose a local small company only after they obtained the funds from the insurance company. Negotiating with a contractor before you know how much funds you have can cause too many problems.
 

An agent or broker is well trained in determining your insurance needs, and placing or writing insurance policies, but they are not trained in dealing with insurance losses. They generally don't have the time, training or facilities to prepare the highly specialized service of insurance adjusting.
 

By charging a small percentage of what the insured receives in the settlement of their claim.  We don't receive any fee until the insurance company actually issues the check to you.
 

1. Protect the property from further damage and loss.
2. Don’t dispose of debris from your home, you need proof that it was there for your claim.
3. Quickly remove all valuables and special property such as jewelry, books, pictures and important papers. If you find it necessary hire security, you will be reimbursed for it.
4. Don’t use any food or medicine, if it has been damaged.
5. Don’t start repairs until you have a scope of the work needed.
6. Hire your own experts.
7. Do not rely solely on your historical records; secure replacement estimates.
8. Understand that your claim will have to be verified.
9. Concentrate on maintaining your family and employment, not on preparing claim details––leave that to the experts.