Frequently Asked Questions:

WHY DO YOU NEED A PUBLIC ADJUSTER TO REPRESENT YOU?
 
When you file an insurance claim, your Insurance Company will utilize the services of a Claims Adjuster to meet with you and attempt to negotiate a reduced claim settlement.  This Claims Adjuster may employ and utilize and any or all of the following: General Contractors, Engineers, Accountants, Inventory Specialists, Fraud Investigators, Attorneys or other Professionals to represent and investigate your claim in an attempt to deny coverage or reduce your claim settlement. These Professionals are hired to negotiate against you and not for you!

The very same company that owes you a fair settlement employs skilled "Insurance Experts" to investigate and calculate your loss on behalf of the Insurance Company.  This is a conflict of interest!

WHAT ARE THE BENEFITS OF RETAINING A PUBLIC ADJUSTER TO REPRESENT YOU?

You will have the advantage of expert assistance and over 20 years of insurance industry insider experience.  I will relieve you of the time-consuming and difficult technical matters involved in preparing, presenting and negotiating your claim with the Insurance Company.  Most importantly, I will maximize your claim settlement!

I will not allow your claim to be unjustly denied or your claim settlement to be unreasonably reduced!

IF I HAVE ALREADY FILED A CLAIM AND SETTLED MY CLAIM, CAN I STILL HIRE A PUBLIC ADJUSTER?

Yes, I am often hired to resolve disputes after a claim is filed. However, it is in your best interest to hire a Public Adjuster as soon as possible.  Without understanding the insurance policy, you may act or say something that will give the Company Adjuster reason to deny or reduce your claim.

HOW ARE PUBLIC ADJUSTERS PAID?

Like all Public Adjusters, I work for a small percentage of your claim settlement and require no up-front fees. My fee is payable after your claim is settled and you are paid by your Insurance Company.  I have no doubt that my involvement will increase your claim settlement and my fee will be absorbed in your larger settlement. 

IF THERE IS NO RECOVERY THERE IS NO FEE!

WHAT'S TYPES OF CLAIMS ARE COVERED UNDER THE TYPICAL INSURANCE POLICY?

The typical policy covers the following types of losses: 
Fire & Lightning
Windstorm and Hail
Water
Explosion
Riot or Civil Commotion
Aircraft
Vehicles
Smoke
Vandalism
Theft
Breakage of Glass
Falling Objects
Weight of Snow Ice or Sleet
Collapse
Accidental Discharge or Overflow of Water or Steam
Freezing of Plumbing, Heating, or Air Conditioning System
Sudden or Accidental Damage from Artificially Generated Electrical Current
All Risk of Direct Physical Loss that is Not Specifically Excluded in the Policy