Insurance Claim Recovery Support

Licensed Public Adjusters

ATTENTION: Home & Business Policyholders

What Is A Public Adjuster?
The Policyholder’s Advocate in an Unequal System

FREE DOWNLOAD: Written for policyholders to help you identify a good public adjuster and get an advocate on your side to settle your property damage insurance claim.

ATTENTION: Home & Business Policyholders

What Is A Public Adjuster?
The Policyholder’s Advocate in an Unequal System

FREE DOWNLOAD:
Written for policyholders to help you identify a good public adjuster and get an advocate on your side to settle your property damage insurance claim.

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What Is a Public Adjuster?

A public adjuster is a licensed insurance advocate who represents policyholders, not insurers, to help you accurately document losses and negotiate fair settlements for property damage and related claims.

Whether you’re a homeowner, commercial building or multifamily owner, HOA board member, apartment operator, property manager, religious institution, religious organization, school, or nonprofit, a public adjuster levels the playing field. Which is especially vital when dealing with large insurance companies and complex property damage insurance claims.

Why You Should Consider a Public Adjuster

A Florida government‑sponsored OPPAGA study found claims handled by public adjusters resulted in substantially higher payouts, up to 747% more* on catastrophe claims (such as hurricanes), and 574% more on non‑catastrophe claims, versus policyholders representing themselves . While those are Florida figures, they highlight a nationwide pattern showing that public adjusters more than earn their fees. *(Page 7)

The Insurance Claim Recovery Process: What You Need to Know

Burden of Proof

As the policyholder, you bear the burden of proof, you must clearly demonstrate the loss is covered under your policy. However, if your insurer cites exclusions to deny coverage, they must prove those exclusions apply .

Duty to Mitigate

You’re legally required to mitigate further damage. This means taking reasonable steps (e.g., temporary repairs or boarding up) to prevent worsening of loss.

Good Faith and Indemnity

Insurance is built on the doctrine of indemnity, meaning you should be restored to your pre-loss condition, not profit. Companies owe you a duty of utmost good faith, treating evidence in your favor with the same consideration as theirs .

Bad Faith by Insurers

If your insurer unreasonably delays, denies, or devalues your claim, you may have a bad faith claim. You must prove their misconduct, like ignoring evidence or dragging out the process, often with documentation, correspondence, or expert reports . Remedies can include the policy amount, additional compensatory damages, attorney’s fees, and even punitive damages.

Who We Help
Broad Appeal Across Property Types

We assist a wide range of clients:

  • Homeowners

  • Condominium & townhouse owners, including HOAs

  • Multifamily buildings

  • Apartment building owners & operators

  • Property management companies

  • Commercial buildings, religious organizations, and nonprofits

  • Religious Organizations and Schools

Each client deserves fair compensation, whether you’re managing a single-family home or an entire nonprofit facility.

What You’ll Discover Inside

  1. Public adjusters work for policyholders, not insurers. Their loyalty and compensation are aligned with your best outcome.

  2. Settlements are significantly higher with public adjusters. Some studies show 10%–747% increases.

  3. Insurers have the advantage. They deploy adjusters, engineers, and lawyers; public adjusters help level the field.

  4. Early involvement matters. Bringing in an adjuster at the start prevents documentation gaps and denial risks.

  5. Documentation is power. Photos, receipts, logs, and written communication strengthen any claim.

  6. Ethics and regulation keep adjusters accountable. Licensed professionals must adhere to codes of conduct.

  7. Public adjusters uncover hidden coverage. Expertise ensures no valid entitlement is overlooked.

  8. Patience pays. While thoroughness can feel slow, it leads to fairer settlements.

  9. Policyholders must stay engaged. Even with an adjuster, understanding your policy and process protects your interests.

  10. You don’t have to fight alone. Having a knowledgeable advocate ensures fairness and peace of mind.

Start Recovering What You’re Owed

Know Your Policyholder Rights

  • Insurers are required by law to act in good faith

  • They must equally consider any evidence supporting your position

  • You have the right to file a bad faith claim if they wrongfully delay, underpay, or deny

  • You’re entitled to indemnity—restoration of your property and financial loss

  • You bear the burden of proving your claim damages. This means if you don’t prove your loss, they don’t have to pay.

Why Hiring a Public Adjuster May Be Crucial

When your property is damaged, insurance companies bring in expert, adjusters, engineers, attorneys, to protect their bottom line. You should too.

How to Find and Choose a Quality Public Adjuster:

  • Look for proper licensing (required in most states, often via bond and continuing education)

  • Choose someone with specific experience in your property type and peril you're dealing with —whether residential, multifamily, commercial, HOA damages from a storm or fire.

  • Seek transparency in fees, which are often a percentage of your claim—but consider the net benefit after their fee.

  • Request case studies or client references, especially from similar claims.

Frequently Asked Questions

What types of claims do you handle?

  • Wind and storm damage

  • Hail and roof failure

  • Fire and smoke damage

  • Flood and water intrusion

  • Mold, collapse, theft

  • Business interruption and ALE (loss of use)

Who is this guide for?

  • Homeowners

  • Condo associations

  • HOAs

  • Commercial building owners

  • Churches, schools, and religious groups

  • Apartment complexes and property managers

  • Nonprofits with insured property

Why can’t I just trust the insurance company adjuster?

  • Because they work for the insurer — not you. Their job is to minimize what’s paid. You need your own advocate.

What’s the biggest mistake policyholders make?

  • Accepting the first settlement or waiting too long. Delays can ruin your ability to get paid fairly.

When should a policyholders hire a Public Adjuster?

  • Engaging a public adjuster early in the process for Large-Loss claims offers critical advantages.

Your Rights as a Policyholder

  • Insurers are required by law to act in good faith

  • They must equally consider any evidence supporting your position

  • You have the right to file a bad faith claim if they delay, underpay, or wrongfully deny

  • You’re entitled to indemnity—restoration of your property and financial loss

  • You bear the burden of proof for your claim. This means if you don’t prove your loss, they don’t have to pay.

Frequently Asked Questions

What types of claims do you handle?

  • Wind and storm damage

  • Hail and roof failure

  • Fire and smoke damage

  • Flood and water intrusion

  • Mold, collapse, theft

  • Business interruption and ALE (loss of use)

Who is this guide for?

  • Homeowners

  • Condo associations

  • HOAs

  • Commercial building owners

  • Churches, schools, and religious groups

  • Apartment complexes and property managers

  • Nonprofits with insured property

Why can’t I just trust the insurance company adjuster?

  • Because they work for the insurer — not you. Their job is to minimize what’s paid. You need your own advocate.

What’s the biggest mistake policyholders make?

  • Accepting the first settlement or waiting too long. Delays can ruin your ability to get paid fairly.

20+

Years Of Experience

500+

Large-Loss Claims Settled

130,160

Hours Worked

$450,000

Average Claim Amount

Stop guessing. Stop waiting. Start recovering.

Get What is a Public Adjuster and become the most informed, empowered, and protected policyholder in the claims process.

TESTIMONIALS

Hear what Our Clients are saying

"Thank you Scott"

Scott responded to my inquiry and took the time to listen and understand our unpleasant experience dealing with our insurance claim. Although I did not utilized his service, he gave me a sound, professional advice and offered to help when he referred me to his engineer. They replied promptly and I was able to have better understanding of the situation. Thank you Scott!
- Haidee J.

"I would highly reccomend"

Words can’t describe how grateful we are for the consultation and claim evaluation we had with Scott. Full disclosure we were unable to work with him due to limitations of our scope. We wanted to properly recognize Scott for the honest and genuine passion he put in to not only our claim, but the way he runs his business in general. We hadn’t had such clarity of next steps since this began in 2020. I would highly recommend this business to everyone spinning their wheels in this process!

- James M.

"I came across this company and had none of those bad feelings"

This was not the first public adjuster I called. I called a different company first but they gave me a bad feeling on the phone. Too aggressive. Didn't feel trustworthy to me. So, I kept looking. I came across this company and I had none of those bad feelings. Scott, the guy who took my call, seemed very knowledgeable and I felt I could fully trust him. As it turned out, he told me that my claim was fairly simple and I didn't need the full scope of his service and fees. But, without charging me a fee, he gave me some needed advice on this whole matter of insurance claims which I needed. And told me I could call him back to ask another question or two if necessary. I would recommend this company for these services.
- Katie H.

  • You’re serious about [Desired Result] and want a quick, easy-to-follow guide to get there.

  • You’re struggling with [Common Pain Point] and need a clear path to [Desired Outcome].

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

  • You’ve tried other solutions but haven’t seen results and are ready for a proven approach.

“Blessed is the policyholder who is prepared, for they shall inherit a full and fair settlement.”

– The Insurance Claim Bible

AGENCY PUBLIC ADJUSTER LICENSES

Texas #1670060

Colorado #4472448
Ohio #1416560

Florida #W927993

NPN# 16144334

MISTY'S PUBLIC ADJUSTER LICENSES

Texas #2647568

Florida #W798577

Kentucky #1267289

North Carolina #19846653

Nebraska #19846653

Ohio #1416569

Oklahoma #3001820951

Pennsylvania #1054792

South Carolina #19846653

Utah #915489

NPN #19846653

Haag Certified Commercial Roof Inspector #202111207

SCOTT'S PUBLIC ADJUSTER LICENSES

Texas - #1632488

Colorado - #411678

Florida - W797805

Georgia - 2874635

Indiana - 3891955

Kansas #15827727

Kentucky #1014264

Maryland #2106190

Nebraska #15827727

Nevada #3508775

North Carolina #15827727

Ohio #1289475

Oklahoma #100118599

Pennsylvania - 1043874

South Carolina - 893766

Utah #915234

NPN #15827727

Haag Certified Commercial Roof Inspector #202111207


Our Large Loss Specialties

Apartment Complexes

Business Interruption

Commercial Buildings

Condominium Associations

Historical Buildings

Industrial Facilities

Manufacturing Facilities

Office Buildings

Property Management Firms

Religious Organizations

Contact Us

Call Us : 512-904-9900

[email protected]