Why You Hire a Public Insurance Adjuster

---

When disaster strikes—whether it’s a flood, fire, or sudden storm—your first call is usually to your insurance company. But here’s what most homeowners don’t realize: the adjuster your insurance company sends works for them, not for you.

That’s where a Public Insurance Adjuster comes in.

At The Claims Authority, we represent property owners exclusively. Our job is to interpret your policy, document your damage, and negotiate with the insurance carrier to make sure you get the full settlement you deserve—not the one that’s convenient for them.

A public adjuster is a licensed insurance professional who advocates for the policyholder (you) in evaluating, preparing, and settling property damage claims.

Unlike the insurance company’s adjuster, we work independently—our duty is to protect your financial interests.

Here’s what that really means:

• Policy Review: We analyze your coverage, exclusions, and endorsements to identify every possible benefit.
   
• Damage Assessment: We inspect the property, take photos, gather estimates, and build a detailed scope of loss.
   
• Claim Preparation: We organize documentation and evidence that supports a fair valuation of your loss.
   
• Negotiation: We present your claim to the insurance carrier and negotiate for the highest possible payout.
   
• Settlement Support: We ensure you receive all recoverable depreciation and supplemental payments due.
   

Insurance claims can be complex, time-consuming, and emotionally draining. Policies are written in dense legal language, and even minor mistakes can cost you thousands.

Common issues we see include:

• Underpaid estimates that don’t reflect real construction costs
   
• Delays or denials due to missing documentation
   
• Misclassified damages that reduce coverage
   
• Carrier “preferred vendor” estimates that undervalue your repairs
   

With a public adjuster on your side, you level the playing field. We speak the insurance company’s language—so you don’t have to.

Homeowners who use a public adjuster typically recover significantly higher settlements than those who handle claims on their own.
That’s because we document every line item, identify hidden damage, and push for coverage many policyholders don’t even know exists.

We’ve helped clients recover from:

• Water damage hidden behind walls or under floors
   
• Fire and smoke damage affecting air quality and electrical systems
   
• Mold and environmental claims that insurers often undervalue
   
• Storm and wind damage missed during initial inspections
   

Every claim tells a story—and we make sure yours is heard.

We bring more than expertise—we bring strategy.
With decades of experience in insurance, real estate, and property recovery, we see every claim as part of a larger picture: your financial stability, your property value, and your peace of mind.

We handle the details so you can focus on what matters most—your family, your business, and your recovery.

You hire a public insurance adjuster for the same reason the insurance company has one—because the details matter.
Your policy is a contract, and every line of that contract has value. Our role is to make sure you get every dollar you’re owed under it.

At The Claims Authority, we don’t just file claims.
We fight for fair outcomes—with clarity, advocacy, and results.