Policyholders with public adjuster representation typically received higher settlements than those without a public adjuster.

Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons. The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the 2004 hurricanes. In contrast, policyholders who did not use a public adjuster received typical payments of $18,659. The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher.

For non-catastrophe claims, policyholders who used a public insurance adjuster received an estimated $9,379 on their claim, compared to $1,391 for those policyholders that did not use a public adjuster (a difference of 574%).

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• Air Conditioning Leaks
• Broken Pipes / Pipe Leak
• Dishwasher Leaks
• Dropped Objects
• Crop Damage
• Earthquake
• Fire Damage
• Flood Damage
• Water Heater Leaks
• Hurricane Damage
• Hail Damage
• Loss by Collapse
• Mold Damage
• Plumbing Damage
• Roof Leaks
• Sinkholes
• Smoke Damage
• Storm Damage
• Theft
• Tornado Damage
• Vandalism
• Vehicle Hitting a Building
• Water Damage
• Wind Damage
• Business Interruption
• Any covered property loss

10 ways a public adjuster can help when you have an insurance claim

1. By calling a Public Insurance Adjuster you will have an adjuster that represents YOUR interest; remember the insurance company has their own adjuster representing their interests.
2. A public adjuster will complete a detailed estimate of what is required to repair or rebuild your premises.
   A public adjuster will assist in the preparation of inventories on your damaged personal or business property, contents, and related items. With your help in providing correct documentation, and determining ages and descriptions, Public Adjusters can evaluate and determine the approximate current values.
   Public Adjuster will prepare your Time Element Losses, such as Business Interruption, Loss of Rents, or Additional Living Expenses.
   A Public Adjuster establish a professional line of communications with the insurance adjuster.
   Public Adjusters presents estimates, inventories, and other valuations to the insurance adjuster and meet with the insurance company to adjust your claim fairly and equitably, thus resulting in an acceptable settlement to you.
   Public Adjusters can provide experts, if needed, to support the claim.
    Public Adjusters negotiate the best possible settlement.
   A Public Adjuster will keep you apprised of ongoing settlement efforts.
3.  Lastly a Public Adjuster will relieve you of the stress and hardship of having to do it alone.