Property Damage Advocates Protecting Your Best Interests

What a Public Adjuster Actually Does

When you file a property damage claim, the insurance company's adjuster works for the insurer — not for you. A public adjuster is a licensed professional who works exclusively for the policyholder: documenting your damage, interpreting your policy, and negotiating your settlement so nothing gets underestimated, delayed, or denied.

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Steps Taken To Get Your Maximum Settlement

- Inspect your property to assess the total extent of the damage.
- Survey, photograph, and diagram your entire claim onsite.
- Prepare a description of the property including room-by-room damage estimates.
- Review your insurance policies to determine:
  - Your rights and obligations and those of your insurer.
  - The coverages listed in the policy.
- Calculate reconstruction costs of building and fixtures.
- Compile a thorough inventory of contents, furniture, and equipment.
- Prepare time element claims including Loss of Use, Business Interruption, Extra Expense, and Additional Living Expenses.
Establish agreements with your insurance company and assist in determining:
- Level of damage
- Valuations
- Replacement and repair costs
- Depreciation
- Work as your advocate at all site inspections and meetings with insurance company adjusters.
- Keep you continually informed of all developments. We meet with you to provide status and updates of loss, time, and dollar projections. And we provide opinions and recommendations when appropriate.
- Maintain a constant dialogue with insurance company adjusters and experts. We’ll be sure all appropriate measures are taken to expedite the claims process. And we’ll negotiate a fair settlement on your behalf while adhering to the policy requirements and conditions.
- Present, with your approval, all claim projections and an itemized claim package to the respective insurance company adjusters.