​The Process.
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​Every claim is different. However, in a perfect situation, here is generally how the claim process would progress when you consult and hire a licensed public adjuster to handle your claim: 

  1. Loss to home or business is incurred
  2. Hire a Public Adjuster
  3. File a claim with your insurance company
  4. Conduct onsite meetings
  5. Documentation of the claim/estimates (from the insurance company and public adjuster)
  6. Discussions with the insurance company concerning the documentation from both parties
  7. Negotiations
  8. Settlement of claim
  9. Collection of any supplemental payments as construction progresses
  10. Close claim once fully paid
 
If you have not first hired a public adjuster and instead attempted to handle the claim yourself, and the insurance adjuster has already submitted an estimate, Statewide Public Adjusting Services would re-evaluate the insurance company’s decision and the claim would progress as follows:
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  1. Loss to home or business
  2. File a claim with insurance company
  3. Insurance company inspects and estimates the loss
  4. Insurance company makes an offer. (If underpaid, denied or even if your happy with the amount go straight to #5 below, 100% chance there is still money left on the table). Ever heard get a second opinion?
  5. Hire a public adjuster to dispute insurance company’s findings
  6. Conduct onsite meetings
  7. Documentation of the claim/estimates (from the insurance company and public adjuster)
  8. Discussions with the insurance company concerning the documentation from both parties
  9. Negotiations
  10. Settlement of claim
  11. Collection of any supplemental payments as construction progresses
  12. Close claim once fully paid
 
In either situation, Statewide Public Adjusting Services works on a contingency fee and you don’t pay us until you get paid.