Claim Solutions & Tips

• When to Call a Public Adjuster (and Why It Matters)

• How Contractors & Adjusters Can Work Together

• Maximizing Settlements: Documentation That Gets Results

1️⃣ When to Call a Public Adjuster (and Why It Matters)

The best time to call a Public Adjuster is as soon as damage happens. Whether it’s storm, fire, or water damage, getting a Public Adjuster involved early ensures your claim is filed correctly, documented thoroughly, and negotiated fairly from the start. Even if you’ve already filed, it’s not too late — Public Adjusters can step in if your claim is delayed, denied, or underpaid. Why it matters: insurance companies have adjusters working for them; you should have one working for you. Calling a Public Adjuster can mean the difference between a minimal payout and a full settlement.

2️⃣ How Contractors & Adjusters Can Work Together

Contractors and Public Adjusters don’t compete — they complement each other. Contractors bring the technical knowledge of what repairs are needed and what it costs to restore a property. Public Adjusters bring the insurance expertise to negotiate those repairs into the claim. When working together, contractors can ensure their clients get paid properly for the scope of work, while adjusters make sure the insurance company doesn’t cut corners. It’s a win-win: the homeowner gets proper repairs, the contractor gets paid fairly, and the claim process moves smoother.

3️⃣ Maximizing Settlements: Documentation That Gets Results

Insurance claims are won or lost on documentation. Photos, videos, inspection reports, moisture readings, contractor estimates, and even receipts for temporary repairs all build the case for a full settlement. The more detailed and organized the documentation, the harder it is for an insurance company to deny or underpay. A Public Adjuster’s role is to collect, prepare, and present this documentation in a way that matches policy language and industry standards (like Xactimate pricing and IICRC categories). Strong documentation turns a “lowball offer” into a proper payout.