Not every claim needs a public adjuster, but the right help at the right time can prevent expensive mistakes.
Key Takeaways
1
Consider a public adjuster for large losses, complex damage, or denied claims2
Get help if your claim is dragging on without clear progress or answers3
Hire representation if the insurance payment doesn't match repair costs4
Use professional help when dealing with mixed damage causes (wind and flood)5
Remember that public adjusters work for you, not the insurance company1. The claim feels too big or complex
Large losses, multiple rooms, or mixed causes of damage are harder to document and easier for insurers to underpay.
- Major roof and interior damage after a storm.
- Damage that affects both structure and contents.
- Losses involving businesses, rentals, or multi-unit properties.
2. You received a denial or a low offer
A denial or surprisingly small payment is a clear sign you may need professional help.
- The letter cites exclusions you do not fully understand.
- The payment does not seem to match the real cost of repairs.
- Parts of the damage were ignored or described incorrectly.
3. Your claim is dragging on with no clear answers
Delays can be just as harmful as denials. Bills keep coming even when the claim is stuck.
- You keep getting asked for the same documents over and over.
- You are passed between departments without progress.
- Deadlines and time limits are not clearly explained.
4. You simply want an advocate on your side
Even when the insurance company is polite, they are still protecting their own bottom line. A public adjuster represents only you.
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