There are three types of adjusters that process property damage claims:  

1. Staff Adjusters-employees of the insurance company. 

2. Independent Adjusters (IA’s) - contracted by the insurance company.  

3. Public Adjusters (PA’s) hired by the policyholder. 

What are the differences in the three types of adjusters?

Both the Staff Adjusters and Independent Adjusters work on behalf of the insurance company and represent THEIR financial interests. They are trained in the insurance companies claims handling policies and procedures and they estimate damage and settle claims based on those guidelines.  

By contrast, Public Adjusters work solely for the insured and represent YOUR financial interests. 

Why should I hire a Public Adjuster?

Hiring a Public Adjuster ensures that you have a property damage expert on your side, advocating on your behalf.  

Under the terms of the insurance policy, it is not the responsibility of the insurance company to find all damage but rather it is the insured’s duty to prove the loss.  

Your Public Adjuster will do this in three ways: 

1. Conduct a detailed review of your policy to determine all coverages available for your specific claim. 

2. Perform a thorough inspection of the property using the most current technology available. 

3. Compile and complete a comprehensive damage estimate utilizing the industry standard, Xactimate, software.   

What does it cost?

A small percentage of the amount collected or the increase in the original settlement amount if your claim has been paid but you are not satisfied. There are no upfront costs as we work on a contingency fee only. We invoice as funds are collected and if we are unsuccessful in settling your claim, or producing an increase in the settlement amount, then you owe nothing.  

Can my contractor handle my claim?

Yes, however, it could be considered a violation of the Unauthorized Practice of Public Adjusting Act in Texas (UPPA) otherwise known as 4102.163 of the Texas Insurance Code. Contractors are not licensed or qualified to negotiate your claim. A Public Adjuster is familiar with the claims process as a whole and is skilled in coverage evaluations, policy language, estimating and negotiations.  

Trusting anyone less experienced, in any area of the claims process, could be detrimental in achieving full recovery. 

Contact us for a second opinion, there is NO CHARGE for an inspection and consultation.