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Immediately! When disaster strikes, insurance company personnel and agents may direct the policyholder to “follow necessary protocol” in the first two days. Often the direction given by the insurance company is not in the policyholder’s best interest. The presence of a public adjuster on a claim ensures the initial steps taken benefit the policyholder.

In addition, a public adjuster evaluates and documents the damages prior to the scene being disturbed to preserve any evidence that may help in the event of a dispute. On day one, we carefully photograph the damages to the building and its contents. Before anything is disturbed or disposed of, it is important that the public adjuster and the insurance carrier agree on a scope of work. Insurance carriers often push for salvage to minimize the payout, even when full replacement is warranted.

Engagement of a public adjuster’s services right from the start is crucial. Without representation, you could lose out on large sums of money.

Our experience tells us this is unlikely. Insurance Company adjusters work for, report to, and are paid by, the insurance company. Insurance companies are businesses, and they too look after their own bottom line. We find that often times they opt to repair items when replacement should be given.

An average policyholder working alone with an insurance company adjuster can be like a person going to settle a lawsuit without having their own lawyer. Policyholders need this kind of professional representation.

You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage.

Studies have clearly demonstrated that the most inventories compiled by insured without the help of the public adjuster are very incomplete.

A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.

The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. A public adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. We are experts in reading the final print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement.

No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of Maryland / Virginia or DC

Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.

You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.

Public adjusters are very skilled negotiators who use the services of appraisers, engineers, accountants, and all sorts of other experts as needed. A public adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion.

The standard fee for public adjusting services is a small percentage of the amount recovered from the insurance company. These fees are regulated by the State.

Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.