FAQ's

A public adjuster exclusively represents the policyholder—not the insurance company—in the preparation, presentation, and negotiation of property damage and business interruption claims. On large-loss files, this includes reviewing policy language, coordinating site inspections, preparing detailed estimates and inventories, building time‑element calculations, managing documentation, and negotiating with the carrier and its consultants to reach a settlement that accurately reflects the true cost to repair, replace, and restore operations.

Ideally, we are engaged within the first 24–72 hours after a loss is discovered. Early involvement allows us to help structure communications with the carrier, capture critical photos and measurements before demolition, align emergency service documentation with policy requirements, and prevent under‑scoping of damages. That said, we routinely step into claims that are already open—whether the carrier has made an initial offer, reserved rights, or the file has stalled.

Yes. Many of our engagements begin after an initial offer has been made and ownership is concerned that key items have been omitted or undervalued. We audit the existing file, identify gaps in scope and documentation, and then prepare supplemental claims where warranted. In many cases, we are able to significantly improve the total recovery, even when partial payments have already been accepted, subject to policy terms and applicable law.

Our fees are typically contingency‑based—a negotiated percentage of the amounts we help recover from the insurance company, subject to state regulations. This structure aligns our incentives directly with yours: we are compensated when we improve or secure your settlement. For very large or unusual claims, hybrid or hourly arrangements may be available. Fee specifics, including what is and is not included, are outlined in a written engagement agreement before any work begins.

No. We complement, not replace, your other advisors. Restoration contractors focus on mitigation and reconstruction only, attorneys focus on legal rights and disputes, and consultants provide subject‑matter expertise. We focus on building and negotiating the claim itself with your insurance company. We frequently work alongside counsel, construction managers, forensic accountants, and other specialists to deliver a unified strategy that serves ownership’s objectives. It is illegal of the Unauthorized Practice of Public Adjusting for contractors to represent or negotiate your claim.

Reputable carriers are accustomed to working with public adjusters, especially on larger and more complex claims. Our role is to make the process more efficient and better documented, not adversarial for its own sake. We maintain professional communication with carrier representatives while firmly advocating for a complete and well‑supported claim. In many cases, our involvement actually streamlines the adjustment by organizing information and clarifying areas of disagreement.

To start, we typically request: your full policy (including endorsements), any correspondence with the carrier, photos or reports already obtained, mitigation or repair invoices, and a brief overview of your property and operational impacts. If you complete the Large Loss Intake Form on this site, we will follow up with a short checklist tailored to your specific situation.

Public adjusting is a licensed profession in most states. Our team holds active public adjuster licenses in 18 states and maintains relationships with trusted, licensed affiliates where needed. During our initial discussion, we will confirm your property location and explain exactly how we can engage under the applicable regulatory framework.

We take confidentiality seriously. Claim files may contain detailed financial, operational, and personal information. We use secure systems for document transfer and storage, limit internal access to need‑to‑know team members, and, when required, execute NDAs or confidentiality agreements with ownership and other stakeholders.

A brief conversation is often enough to determine whether our involvement would add measurable value. Factors include the size and complexity of the loss, the carrier’s early posture, your internal bandwidth, and any unique policy features. If we do not believe we can improve your outcome or experience, we will tell you that clearly and may suggest alternative resources.