Insurance Claim Recovery Support
Licensed Public Adjusters
What Is A Public Adjuster?
The Policyholder's Advocate In An Unequal System
A public adjuster is a licensed insurance professional who represents policyholders—not insurance companies—to help document, negotiate, and settle property damage claims for the maximum amount owed under the policy.
A Complete Guide for Homeowners & Business Property Owners Facing Property Damage Insurance Claims
Trusted by 1,000+ clients worldwide
Get the Insider’s Guide the Insurance Companies Hope You Never Read
Discover How to Protect Your Claim, Maximize Your Settlement & Avoid Being Underpaid
What You’ll Discover Inside
How the insurance claim process really works
Step-by-step breakdowns for both residential and commercial claims.
Why insurers deny, delay, or underpay claims
And how to protect yourself from common tactics.
How public adjusters help increase settlement amounts
Including real examples of claims that went from tens of thousands to hundreds of thousands.
Claim documentation tips
Photos, logs, reports, and evidence insurance companies can’t ignore.
Business & commercial claim strategies
Business Interruption (BI), Extra Expense (EE), equipment, inventory loss, and tenant issues.
How to overcome disputes and denials
Appraisal, mediation, ROR responses, and bad faith indicators.
Checklists, templates & tools
Claim diary, ALE log, BI worksheet, inventory lists, communication templates, and more.
Why You Need This Guide — Now More Than Ever
Insurers are paying out less, scrutinizing more, and relying on overwhelmed or inexperienced adjusters — especially after big storms, fires, or catastrophic events. The result...
Claims take longer
Settlements are smaller
Denials are more common
Policyholders are left confused and frustrated
Get knowledge and strategies to take back control. Policyholders with professional representation recover significantly more.
Public adjusters work for policyholders, not insurers. Their loyalty and compensation are aligned with your best outcome.
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.
Insurers Have the Advantage.
They wrote the policy, have your money, deploy adjusters, engineers, and lawyers to represent their interests, not yours; public adjusters help level the field for policyholders.
10%–747%+ Increase
Studies show, settlements are significantly higher with public adjusters.
Early Involvement Matters.
Bringing in a public adjuster at the start prevents documentation gaps and denial risks.
Documentation is Power.
Photos, receipts, logs, and written communication strengthen any claim.
Patience Pays
Bringing in a public adjuster at the start prevents documentation gaps and denial risks.
Fairness and Peace of Mind.
You don’t have to fight alone. Having a knowledgeable advocate ensures you get the settlement you deserve.
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.
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. - Katie H.
Frequently Asked Questions
What is a public adjuster?
A public adjuster is a licensed insurance professional hired by a property owner to represent their interests in appraising and negotiating an insurance claim. Unlike a company or independent adjuster, who works for the insurance company, a public adjuster works solely for the policyholder to help them receive a fair settlement.
What does a public adjuster do?
A public adjuster evaluates damage, prepares detailed claim documentation, communicates with the insurance company, and negotiates the settlement on behalf of the policyholder.
How is a public adjuster different from an insurance company adjuster?
A public adjuster works exclusively for the policyholder, while insurance company adjusters represent the insurer’s interests. Public adjusters focus on maximizing your claim; company adjusters focus on minimizing payout.
When should you hire a public adjuster?
Hire a public adjuster when the damage is significant, the claim is complicated, the insurance company is delaying or underpaying, or when you want expert representation from the start.
How do public adjusters get paid?
Most public adjusters work on a contingency fee—typically a percentage of the settlement—so they only get paid if you get paid.
Do public adjusters get higher settlements?
Yes. Studies and industry data show policyholders often receive larger settlements when represented by a public adjuster due to better documentation, valuation, and negotiation.
What types of claims do public adjusters handle?
They handle property damage claims from fire, hail, wind, tornado, hurricane, water, vandalism, business interruption, and large-loss commercial claims.
Can a public adjuster help if my claim is denied or underpaid?
Yes. Public adjusters can reopen, supplement, and negotiate denied or underpaid claims to pursue the amount you’re owed.
Are public adjusters licensed?
Yes. Public adjusters must hold a state license, follow strict regulations, and meet ongoing education and ethical requirements.
How do I find a reputable public adjuster?
Look for a licensed, experienced public adjuster with strong reviews, industry credentials, and a proven track record handling claims similar to yours.
Who is this guide for?
Homeowners
Facing fire, water, hurricane, hail, or storm damage.
Business Owners
Struggling with BI, EE, equipment damage, or forced closures.
HOAs, Religious Organizations, Commercial & Multifamily Property Managers
Managing complex losses, roof systems, water intrusion, and building envelope claims.
Contractors & Restoration Pros
Looking to help clients navigate insurance claims more effectively.
Any Policyholder Who Wants to Avoid Being Underpaid by Their Insurance Company
Condo associations
Commercial building owners
Churches, schools, and religious groups
Apartment complex owners
Syndicators
Property management companies
Nonprofits with insured property
Real Estate Investors
Insurance Brokers
Contractors
Roofers
Restoration Contractors
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.
Should I hire a public adjuster or handle the claim myself?
You can handle it yourself, but public adjusters typically achieve better outcomes and reduce the stress, time, and risk of mistakes that can cost you money.
What is a "Good" public adjuster?
As soon as you download our free guide, you will be shown a brief video that answers that question.
