Public Adjusting Claims Process

1. Initial Consultation

You, as the policyholder, meet with a public adjuster. During this consultation, you discuss the details of your property damage or loss.
The public adjuster evaluates the situation, assesses the damage, and sets goals for the claim process.

2. Documentation and Assessment

The public adjuster meticulously documents the damage. This includes:
- Taking photos and videos of the affected areas.
- Measuring dimensions and noting specifics about the damage.
- Gathering information about the cause of the loss (e.g., fire, water damage, storm).
If necessary, the adjuster may bring in experts (such as engineers or contractors) to assess the extent of the damage.

3. Policy Review

4. Claim Preparation

The public adjuster reviews your insurance policy to understand the coverage, exclusions, and limits.
They identify the covered perils and any endorsements that may apply.

4. Claim Preparation

5. Negotiation with the Insurance Company

4. Claim Preparation

Based on the documentation, the adjuster prepares a detailed claim report.
- This report includes:
  - A scope of work: Describing the repairs needed.
  - An itemized list of damaged items.
  - Estimates for repair costs.
  - Any additional expenses incurred due to the loss.

5. Negotiation with the Insurance Company

5. Negotiation with the Insurance Company

5. Negotiation with the Insurance Company

The public adjuster acts as your advocate during negotiations.
They communicate with the insurance company’s adjuster, presenting the claim report and supporting evidence.
The goal is to maximize the settlement amount you receive.

6. Settlement Agreement

5. Negotiation with the Insurance Company

5. Negotiation with the Insurance Company

Once both parties reach an agreement, the insurance company issues a settlement check.
The public adjuster ensures that you receive the full entitlement under your policy.