Learn More

Here is what the Learn More page could look like.

What is a Public Adjuster?

A public adjuster is a professional claims handler who works solely for you the policyholder and not for the insurance company. They help ensure that a property owner receives the money they are entitled to under their policy.

Public adjusters differ from adjusters hired by the insurance companies to assist with the claim because their compensation is paid by the property owner generally as a portion of the settlement.  An insurance adjuster is paid by the insurance company and is responsible to the company and to their best interests – not the insureds.

The insurance company has experts working for them, shouldn’t you?

Your video here.

Do You Need an Adjuster?

Public Adjusters are licensed professionals hired by property owners to represent their best interest in a property claim.  Once an insurance claim event happens to your property, you will be faced with a mountain of decisions that must be made.  The following is a list of questions to ask yourself if you need help with your claim:

  • Do you have time to deal with the insurance company, their demands and adjusters?
  • Do you understand all the details in your insurance policy?
  • Do you have the experience to file an insurance claim?
  • Is the carrier offering a quick settlement that seems to be inadequate?
  • How much damage do you have from the claim event?
  • Are you being discouraged from hiring a Public adjuster by the carrier’s adjuster?
  • Was the adjuster quick to respond and now impossible to find?

Empire Public Adjusters and insurance loss control consultants are for the insured only.  We do NOT work for insurance companies.

Types of Claims We Handle:

  • Hail Damage Claims
  • Fire Damage Claims
  • Water Damage Claims
  • Claims Already Denied
  • Storm Damage Claims
  • Commercial Property Claims

As Public Adjusters, we are here to help with your claim.

What we do on your behalf:

  • Review the policy to determine whether your loss or claim is actually covered under the policy or not.
  • Help you understand your responsibilities and make sure you understand the requirements of the policy for recovering your loss.
  • Gather evidence required to document the loss
  • Acquire the necessary reports
  • Prepare detailed inventories
  • Determine the Actual Cash Value and Replacement Cost of the Loss
  • File the proper forms
  • Prepare presentations (can this be clarified for the property owner?)
  • Arrange meaningful negotiations
  • Provide expert testimony if necessary
  • Make sure all stipulations in the policy are met
  • Secure a Fair Settlement

public adjusters