Frequently Asked Questions

Filing a claim can be frustrating and time-consuming with hours of paperwork, phone calls, and waiting on hold for your insurance company. A Public Adjuster is a licensed expert in Insurance who you hire to manage and negotiate your claim for you. A Public Adjuster works on behalf of the policyholders to ensure they get every dollar they are entitled to after a loss.  Many people hire Public Adjusters when they believe their claim was wrongfully denied or if they believe the insurance company has not offered the correct amount for their claim. 

Public Adjusters are experts in the complex language of insurance policies. A Public Adjuster will inspect and assess the damage to your home and compare it with that of your policy to see how much coverage can be applied. They can handle tricky questions the insurance company asks as well as gather highly detailed information related to the claim that can be challenging for the policyholder to compile. 

Anyone who wants to file a property insurance claim should think about hiring a PA. While policyholders might be confident in the value of their loss, they may also forget, or not be aware of all the costs they can include in a claim whereas a Public Adjuster is unlikely to overlook any costs. While it is most beneficial to hire a Public Adjuster before you file your claim, a Public Adjuster can begin at almost any stage in the claim process. There are times when a claim is too far along in the claims process where hiring a Public Adjuster will not be beneficial. It is always best to have a Public Adjuster assess your claim before hiring one.  

Not all Public Adjusters are equal. It is important to verify that any adjuster, whether your insurance adjuster or public adjuster is licensed in the state of Oklahoma. A license is required in Oklahoma for adjusters to practice. You can verify an adjuster's license by going to the National Association of Insurance Commissioners and conducting a license lookup. You can also check with the Better Business Bureau, get a referral, or ask for references. 

Since every claim is distinctive, it is best to get an onsite assessment and quote. While the inspection is free, most Public Adjusters charge a percentage of your claim settlement on a contingency. Be sure you fully understand the fee structure before signing a contract.