Kitchen Cooking Fire

Electrical  Fire

Exterior Fire

Garage Fire

Total Loss Vehicle- we provided settlement valuation

Total Loss Vehicle - we estimated the damage to the SUV.

Warehouse Fire

Team prepped for house fire and asbestos 

What is a public insurance adjuster?

When you file a claim, your homeowners insurance company  will assign a claims adjuster to you. The adjuster’s job is to evaluate your property damage and determine a payout amount based on the levels of coverage you carry on your policy.

Rather than using the insurance company’s adjuster, policyholders choose to hire a public adjuster instead.  A public adjuster will assess the damage to your property, help determine the scope of repairs and estimate the replacement value for those repairs. The big difference is that instead of working on behalf of the insurance company like an insurance claims adjuster does, a public claims adjuster works for you.

 

See our video series about Advocating for Nevada 

 

After your homeowners insurance company issues the settlement, the adjuster receives a percentage of the payout amount as payment for their services. It is important to note that insurers do not consider the payment amount owed to the adjuster when determining the claims payout amount. This payment would come from the homeowner who hired the adjuster instead.

Did you know that 

Public Adjusters get 747%

 higher settlements (on average) for 

policyholders than they get 

on their own? 

We're experienced public adjusters that specialize in representing homeowners like you!

It’s worth noting that you can also hire a public adjuster for an auto insurance claim. While public adjusters are more commonly associated with property damage claims, some may also handle car insurance claims. They can assess the damages, negotiate with the insurance company and work to maximize the settlement for the policyholder.

 

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 When should you hire a public adjuster? 

 

A public adjuster will handle your claim and communicate with your insurance company on your behalf. Some people feel that the extra expense of hiring a public adjuster is worth it, if only for the peace of mind that they won’t have to handle the claims process themselves. Additionally, the public adjuster will look closely at your claim and help ensure that no damage is overlooked. Depending on what they find, you will usually get a larger insurance settlement to repair the identified damage.

 

A public adjuster might be right for you if:

• Your claim is large or damage is severe
• If you find working with insurance companies to be stressful
• If you’ve had a poor claims experience in the past
• You are too busy to correspond with your insurance company
• If you feel that claim settlement is too low

 

How do you find the right public

 insurance adjuster?

Finding a public insurance adjuster is relatively easy. 

One way to find a public insurance adjuster is to get a recommendation from friends or family members. Ideally, you want to hire someone reputable and effective. Reading online customer reviews can also be helpful.

Here are our Google Reviews 

 

Make sure that the business is licensed in Nevada.

 Make sure that the company you choose has a team and is not a person acting as a company.  

Make sure that the company is local as they will be more familiar with the carrier adjusters, contractors, building codes, and mitigation companies.  Companies that are not local will have to travel several times to the loss location, they may even charge you for their expenses. 

Make sure that your public adjuster has an adjuster's license in the state of Nevada. 

We are, Public Adjuster, NV License #3843937

 

Does the public adjuster have the proper knowledge and training to handle your claim.  

The public adjuster should also be a member of a regional or national association.  

The public adjuster should have certifications in mitigation/restoration.

We do, IICRC Certification #70041568

 

 Do you have a loss to your personal property, is the public adjuster trained to inspect and prepare an inventory list. 

 

What does the public adjuster charge?  We charge 12% on most claims but will charge as much as 20% on claims with more complex handling or were denied.  

 

Some local companies charge as much as 25-33% which we feel is predatory but unfortunately is not against the law. 

 

We have many customers who originally started with other public adjusters who did not work on their claims, charged extremely high fees, and disappeared.   If you are a victim of these companies, you should contact the Nevada Department of Insurance.  We have assisted many clients with getting their claim back on track. 

 

What is the difference between a company adjuster and an independent adjuster?

 

Angi Reviews 

 

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L.E.A.N. Horse Rescue

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