What is a Public Adjuster?  A public adjuster is an insurance claims adjuster who advocates for the policy holder
in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally
represent the rights of an insured during an insurance claim process.

Why do I need help in filing an insurance claim?  The typical policy contains hundreds of provisions and
stipulations - various forms and riders that are constantly changing and many complex details about your requirements
in case of loss. Most people do not know or understand these policy provisions - and most do not realize that the burden
of proof is on them, the policyholder. An accredited public insurance adjuster not only has your confidence, but also that of company adjusters who recognize that they are dealing with a professional.

How do they determine the actual loss?  They take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing, but can make a significant difference in the amount of the final adjustment.

How much do they charge for their service? Your public insurance adjuster's charge is a percentage of the insurance company's settlement with you.  By seeking to maximize your settlement, your public insurance adjuster's services can save you the cost of their fees, at the very best. A public adjuster fee runs between 10%, 15%, or 20% Depending on the claim.