What is a public adjuster?

A Public Adjuster is a licensed expert on loss adjustment and the recovery process after an unfortunate incident. The public adjuster works solely for the policyholder and not the insurance company. The public adjuster assists in inspecting the loss site, reviewing the insurance policy and evaluating the loss. With their knowledge of insurance policies, the adjuster will manage the filing of insurance claims regarding property loss, through to negotiating final payment.

Do I need a public adjuster?

At DisasterStruck, we consider each case on an individual basis and will let you know up front if using a public adjuster can make a difference in the settlement of your claim. In some circumstances, it may be recommended that you do take care of the claim yourself if the claim is a small one. If we believe our involvement in your claim will not make a difference, we will tell you up front.

How much does this cost?

There is no fee for consultation of your loss claim. At DisasterStruck, we work on a contingency fee basis. If there is no claim, then we do not take a fee. Our public adjustment service represents a percentage of the claim settlement, which we will be agreed to in advance.

Do I have to pay money up front?

We do not collect money in advance from you. Once the insurance claim is settled, we will take our contingency fee. If there is no settlement, then there is no fee.

Do I lose my insurance if I hire a public adjuster?

No, not under any circumstances. Under State Legislature and Regulation under the Department of Insurance, you have the right to hire a public adjuster. A Public Adjuster is a licensed and insured profession. It is a violation of your rights if any Insurance Company denies or cancels your policy based on hiring a Public Adjuster. Hiring a Public Adjuster is a right given to you by the State Legislature.