Question 1

What exactly does a public adjuster do?

Accepted Answer

A public adjuster is a licensed insurance claims professional who works exclusively for you — the property owner — not the insurance company. We inspect your damage, document everything thoroughly, prepare your claim, file all paperwork, and negotiate directly with your insurer to maximize your settlement. We're your expert, your advocate, and your claim manager from start to finish.

Question 2

How is a public adjuster different from the insurance company's adjuster?

Accepted Answer

The insurer's adjuster works for the insurance company. They are trained, paid, and incentivized to minimize what gets paid out on your claim. A public adjuster works exclusively for you — we have no financial relationship with the insurer, and our incentive is to maximize your settlement, not minimize it.

Question 3

How much does a public adjuster cost?

Accepted Answer

Nothing upfront. Our fee is a contingency percentage of the settlement we recover for you. We only get paid when you get paid — and only from what we recover. If we can't help you recover more, you don't owe us anything. The percentage is disclosed upfront and agreed in writing before any work begins.

Question 4

Is it worth it to hire a public adjuster if I'm paying a percentage?

Accepted Answer

In almost all cases, yes. Our clients typically receive settlements 5–11× higher than the initial insurer offer. Even after our contingency fee, policyholders walk away with significantly more money than they would have accepted alone. The fee pays for itself many times over in most claims.

Question 5

My insurance company already sent their adjuster. Is it too late?

Accepted Answer

Absolutely not. Most people who call us have already received an initial offer — and that's often where our most impactful work happens. We review their assessment, document damage they missed or undervalued, and file a supplemental claim. Many of our largest settlement increases come at the supplemental stage.

Question 6

Can you help me if I already accepted a settlement?

Accepted Answer

Potentially, yes. In some circumstances, especially when new damage is discovered or additional items were missed, it's possible to reopen a claim or file a supplemental claim. Contact us and we'll review your specific situation at no charge.

Question 7

What exactly do you handle in the claim process?

Accepted Answer

Everything. We conduct a thorough property inspection, document all visible and hidden damage with photos and detailed reports, prepare the claim package, file all required paperwork with the insurer, manage all correspondence and calls with the insurance company, attend all adjuster meetings on your behalf, and negotiate until we reach a fair settlement. You focus on your life — we handle the claim.

Question 8

How long does the process take?

Accepted Answer

Simple residential claims are often resolved within a few weeks. More complex claims — commercial properties, hurricane damage, disputed claims, supplemental filings — can take 30–90 days or longer in contested cases. We keep you informed throughout and handle all follow-up so you're never left waiting for answers.

Question 9

Will my insurance company get angry or cancel my policy?

Accepted Answer

Your right to hire a public adjuster is protected by Tennessee and Florida state law. Insurance companies cannot penalize you, raise your rates, or cancel your policy simply because you hired a public adjuster. This is a legal right — and it's one they'd rather you didn't know about.

Question 10

Should I sue my insurance company instead of hiring a public adjuster?

Accepted Answer

Litigation is expensive, time-consuming, and adversarial. Most disputes are resolved far more efficiently through professional claim management and negotiation — which is what we do. If your claim legitimately requires litigation, we'll advise you on that path, but in the vast majority of cases, professional negotiation achieves a better outcome faster.

Question 11

What types of damage do you handle?

Accepted Answer

We handle all types of storm and property damage: hail damage, wind damage, water intrusion, flooding, roof damage, hurricane and tropical storm damage, fire and smoke damage, structural damage, and more. We work with residential homes, commercial buildings, multi-unit properties, and rental properties.

Question 12

I'm not sure my damage is worth filing a claim. Should I still call?

Accepted Answer

Yes — always. Our inspection is completely free. You'd be surprised how much hidden damage storms cause: water intrusion behind walls, compromised attic insulation, subtle structural movement. We've opened claims on properties that looked fine but had tens of thousands in hidden damage. The inspection costs you nothing and gives you clarity.

Question 13

My claim was denied. Can you still help?

Accepted Answer

Yes. Claim denials are not always final. We review the denial reason, gather additional documentation, and can file an appeal or demand letter on your behalf. Insurance companies sometimes deny claims expecting policyholders not to push back. We push back.

Questions honestly answered

General

Fees & Cost

Process

Timeline

Claims

Legal Rights