Hire your own adjuster — the same way the carrier does.
Your carrier has an entire claims department working the file. A licensed public adjuster is the only party in the room who works for you.
Company adjusters work for the insurance carrier. Independent adjusters are hired by the carrier. A public adjuster is the only licensed adjuster who legally represents the policyholder.
Industry studies show represented claims are settled for meaningfully more than unrepresented claims — because the loss is scoped, documented, and priced correctly the first time.
Coverage A, B, C, D, ordinance & law, ALE, and matching. Endorsements and exclusions are read carefully so nothing that is owed is left on the table.
State prompt-payment statutes and policy conditions have hard deadlines. Missing one can cost you interest, attorney fees, or the whole claim.
Every file is prepared as if it will land in appraisal — because that is the leverage that produces fair offers before appraisal is invoked.
You keep your job, your family, and your sanity. We handle the phone tag, adjuster meetings, spreadsheets, and estimates.
The three kinds of adjusters — and who each one works for
Employed by the insurance carrier.
Contracted by the carrier during catastrophes.
Licensed by the state to represent policyholders only.
Only one of them is legally allowed to negotiate the claim on your behalf.
Common myths, straight answers
A well-prepared claim moves faster because it removes the back-and-forth that stalls settlements.
That adjuster's paycheck comes from the carrier. Yours should not.
Attorneys are needed for bad-faith litigation. Most disputes are resolved earlier and more cheaply through adjustment and appraisal.
Public adjusters typically work on contingency — no recovery, no fee. Your net after fee is usually well above what you would have accepted alone.
Ready to level the playing field?
Get matched with a licensed public adjuster in your state, or request a free review of your denial letter, estimate, and policy.