What is a Public Adjuster?
Public Adjusters are professionals who are employed exclusively by policy holder who has sustained an insured loss.  They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible.  A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

What kinds of claims can a Public Adjuster help with?
Some examples of the types of residential or business losses a Public Adjuster can help with are: Flood, Collapse, Fire, Explosion, Hurricane and wind damage, Riot or civil commotion, Smoke damage, Vandalism or theft.
Usually, physical damage loss can trigger several additional losses for businesses.  Some of the business insurance forms a Public Adjuster will help with are: Business Income, Builders' Risk, Mechanical and Electrical Breakdown, Extra Expense and Expediting Expense, Leasehold Interest.

A Public Adjuster works for the property owner, not the insurance company.  The very stressful period following a loss is a difficult time for individuals and businesses.  An adjuster can take those major headaches away and let you get back to your home or business.  A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss.  Most policyholders do not know that the burden of proof is theirs.  Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.