Frequently Asked Questions

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Hiring a public adjuster is crucial for navigating the complexities of insurance claims, particularly after significant property damage. These professionals are advocates for policyholders, working to ensure that claims are handled fairly and that clients receive the full compensation they deserve. With their expertise in assessing damages, negotiating with insurance companies, and understanding policy intricacies, public adjusters alleviate the stress of the claims process, allowing homeowners and businesses to focus on recovery and rebuilding. Their involvement can often result in higher settlements, making it a valuable investment in times of crisis. 

 A public adjuster can help you navigate the insurance claims process after property damage. They assess the extent of your loss, document damages, and prepare a comprehensive claim to submit to your insurance company. By leveraging their expertise in policy language and negotiation, public adjusters advocate on your behalf, aiming to secure a fair settlement. They handle communications with the insurer, saving you time and reducing stress, while maximizing your compensation. Essentially, they work to ensure you receive the benefits you’re entitled to, making the recovery process smoother and more effective. 

There is no simple answer here. Your premiums increase whether you file claims, or not, as you may have already experienced. The reality is that insurance premiums are based on the liability amount, amount insuring, etc. If your property value, local material costs, and labor increases every year, you can count on premiums increasing. If your area has a higher potential of see flooding, storms, wind, hail, or sink holes, your insurance premiums will reflect it. What's important to note is that if you have a valid claim that the insurer is responsible in helping you for, DO NOT hesitate in filing the claim out of fear. You pay premiums to be covered when you are not able to pay for the loss. It is your duty to the mortgage company and as a property owner to protect your home. Protect your investment and do what needs to be done to make sure you don't end up with a larger issue or one you can't handle. We're here to help guide you through the process.

The more documentation we have of the loss, the better your chances. No claim is guaranteed a win. 

Public Adjusters usually settle claims within 60 days, if they are approved and do not require additional reporting or policy processes like appraisal or mediation.