Frequently Asked Questions

A public adjuster is a licensed professional who works exclusively for policyholders (you) to help maximize insurance claim settlements. Unlike insurance company adjusters who work for the insurer, public adjusters advocate solely for your interests, ensuring you receive the full compensation you're entitled to under your policy.

We work on a contingency fee basis, meaning you pay nothing upfront. Our fee is a percentage of the additional settlement amount we recover above what the insurance company initially offers. We only get paid when you do, so we're motivated to maximize your settlement.

The sooner, the better. Ideally, hire a public adjuster immediately after property damage occurs, before speaking with your insurance company's adjuster. Early involvement allows us to properly document damage, prevent claim issues, and ensure nothing is overlooked. However, we can still help even if your claim is already in progress.

We specialize in hurricane claims, fire catastrophe claims, and now offer commercial and pre-loss consulting. This includes wind damage, structural damage, smoke damage, water damage from firefighting, contents loss, additional living expenses, and comprehensive property documentation services.

The timeline varies depending on the complexity of your claim and the insurance company's responsiveness. Simple claims may be resolved in 30-60 days, while complex claims can take several months. We work diligently to expedite the process while ensuring you receive maximum compensation.

Our initial assessment includes a comprehensive property inspection, professional damage documentation with photography, policy review to identify all applicable coverage, and creation of a detailed damage inventory. This forms the foundation of your claim and costs you nothing.

Yes, once you sign our agreement, we handle all communication with your insurance company. This includes submitting documentation, negotiating with adjusters, responding to requests for information, and advocating for maximum settlement on your behalf.

Yes, we can often help with denied claims. We'll review the denial letter, reassess the damage, identify any overlooked coverage, and work to overturn the denial or negotiate a settlement. Many denials are due to insufficient documentation or coverage misinterpretation.

Pre-loss consulting involves preparing your property before disaster strikes. This includes policy reviews, risk assessments, and our comprehensive 65-point pre-storm property documentation. This preparation ensures faster claim processing and maximum settlement when you need to file a claim.

We are licensed and operate in Texas, Florida, Georgia, and South Carolina. Our headquarters is in Dallas, Texas, and we provide 24/7 emergency response throughout all four states.

We provide rapid emergency response: within 2 hours in Texas, within 3 hours in Georgia and South Carolina, and within 4 hours in Florida. During major disasters, we deploy teams immediately to affected areas for same-day response.

Yes, we handle both residential and commercial property claims. Our commercial and pre-loss consulting services are specifically designed for business owners who want to maximize their coverage and prepare for potential claims.