Public Adjusters are professionals licensed by the State to protect the policyholder who has sustained an insurance loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

Public Adjusting in the Media:

• Insurance companies and their unwillingness to pay the full amount on claims.
• The Insurance Hoax
• Public Claims Adjusters Offer a Valuable Service.
• Should You Hire Your Own Claims Adjuster?
• Public Claims Adjusters Can Level the Playing Field For You.
• Wildfire: Insurance When All is Lost

A Public Adjuster Will:

• Analyze all insurance policies and pertinent documentation to your claim.
• Survey structural damage to estimate repair cost or replacement.
• Prepare a room-by-room estimate and description of the building with diagrams and photos of the damage.
• Compile a complete physical inventory of your contents, establish agreements with you and the insurance company on the degree of damage and help set replacement costs.
• Present all claim projections to you first for approval prior to submitting to the insurance company, keeping you continually appraised of all development.
• Meet with you to give status of loss, time and dollar projections.
• Maintain a constant dialoque with the insurance company and make sure all appropriate measures are taken to ensure an eguitable claim for you while adhering to the policy requirements and conditions.
• Prepare all time-element claims including business interruption, loss of rent and additional living expenses.
• Expedite the claims process and negotiate a fair settlement on your behalf.