THE PUBLIC ADJUSTER ADVANTAGE

Why Use Claims Detectives?

The period following an insurance loss is a highly stressful time for property owners. Hiring a professional public adjuster will help take the major headaches away.  

Task	Public Adjuster	Insurance Adjuster
Employee hired and trained by the insurance company as a claims adjuster or claims handler.
Licensed Professional hired by the property owner (insured) to represent the interests of the property owner (insured).
Document the full extent of property damage, develop an estimate and present damage to the insurance company.
Investigate behind the walls, floors, cabinets for any hidden damages.
Review all the coverage granted by the current insurance policy to ensure full coverage is granted.
Explain the intent of policy endorsements, exclusions, and extended coverage.
Must be licensed by the state’s Insurance Commissioner’s office.
Prepare, file, and negotiate maximum settlements of your insurance claim.

For many homeowners, the preparation of a property damage claim without the assistance of their own public adjuster working on their behalf is unfamiliar territory. A typical insurance policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss.  These documents are filled with complicated language and calculations that only a claims adjuster will thoroughly understand.

When an insurance claim is filed, it is YOUR responsibility as the policyholder to prove the extent of damages and that they are covered under your insurance policy.  When you hire a public adjuster, this burden becomes our burden. At Claims Detectives, our public adjusters prepare, file, and negotiate maximum dollar settlements of your insurance claim.