FAQ

Consider hiring a public adjuster if your claim is large & complex, if you feel overwhelmed by the process, or if you believe you should have an expert who knows your policy to negotiate on your behalf to take the stress and guess work away so you can focus on the things that matter to you most.

Public adjusters typically charge a fee based on a percentage of the insurance settlement they secure for you.

If your area has been declared a disaster zone, you may qualify for federal assistance programs. You can apply for aid through FEMA by visiting DisasterAssistance.gov, calling 1-800-621-3362, or using the FEMA mobile app. Additionally, other programs may offer support for housing, crisis counseling, and legal assistance. fema.gov

While you can handle the claim yourself, enlisting the help of a public adjuster can provide expertise and take stress from you and your family. They can negotiate a more favorable settlement, especially for complex claims and take the guess work.

If you believe your claim has been underpaid, review the settlement offer in detail and compare it against your policy coverage and documented losses. You can request a detailed explanation from your insurer and provide additional evidence to support your claim. Consulting with a public insurance adjuster can also help ensure you receive a fair settlement and are paid all of their coverages.

Seek recommendations from trusted sources such as friends, family, or local building associations. Verify contractors’ licenses and check for any complaints with the state licensing board. Request references from previous clients and obtain multiple written estimates to compare services and costs.

After ensuring safety, document all damages with detailed photos and videos from multiple angles. Compile a comprehensive inventory of damaged or lost items, including descriptions, quantities, and approximate values. Retain receipts for any expenses related to temporary housing, repairs, or replacements, as these can support your claim. consumerreports.org

The burden of proof is on the insured. You have to give the insurance company proper documentation that justifies the additional claim payments per the policy coverage. And then request a re-evaluation, provide additional evidence of the damage, or hire a public adjuster to conduct an independent assessment and negotiate on your behalf.