Pros & Cons of using an adjuster

Public adjusters (PAs) represent policyholders throughout the insurance claims process. Given the inherent complexity of navigating insurance claims, we strongly recommend that all policyholders utilize a public adjuster to ensure their interests are professionally protected and advocated for.

Our services include:

• Thorough Documentation: 
  Meticulous documentation of all claim details.
  
• Regulatory Compliance: 
  Adherence to all local and state statutes, ordinances, and legal requirements.

• Efficient Processing: 
  Timely completion of all insurance forms and submission of proper supporting documentation.
  
• Vigorous Representation: 
  Assertive negotiation and advocacy to secure the full compensation you are entitled to under your policy.​
  
• Comprehensive Submission: 
  Management and provision of all necessary paperwork to your insurance company to support your claim.
  
• Professional Network:
  ​We collaborate with a trusted network of reputable lawyers, roofing companies, and other relevant professionals, ensuring comprehensive support throughout your claims journey.
  

Pros  

Expert Advocacy: The PA works for you, not the insurance company, aligning their interests with yours to maximize your settlement

Increased Payouts: Studies often show that claims handled by PAs result in significantly higher settlements compared to those managed solely by the policyholder.

Time & Stress Savings: The PA handles all the documentation, communication, and negotiation, saving you significant time and reducing stress during a difficult time.

Expertise & Thorough Documentation: PAs are experts in policy language and the claims process, ensuring all damages—including hidden ones—are identified, documented, and valued correctly, reducing the risk of missing anything.

Negotiation Skills: They are skilled negotiators who understand insurance company tactics and can effectively dispute lowball offers or unfair denials

Work with a Professional Public Adjusting firm: 

Storm One!
​

What we offer you.

End-to-End Insurance Claims Advocacy:
We manage the entire claims process for you, from the initial assessment to final settlement.

Damage Assessment: 
​We perform an Initial Damage Assessment (IDA) and verify your policy coverage immediately.

Inspection & Filing: 
We manage all paperwork (including Proof of Loss) and attend every single inspection alongside the insurer's adjuster.

Thorough Documentation: 
We conduct comprehensive inspections for wind, water, and fire damage, utilizing specialized tools like Analytic Wind Reports and Protimeters for precise data capture.

Expert Negotiation: 
We create a detailed, line-item estimate of damages and negotiate directly with your insurance company to maximize your claim value.
Transparent Process: Access all claim documents and real-time status updates via our secure client portal.

Best of All: No Recovery, No Fee.

What does a Public adjuster do?

Why use a public adjuster?

Cons

Cost: PAs charge a fee, typically a percentage (5% to 20%) of the final settlement, which comes out of your total payout.

Potential Delays: While they can expedite simple claims, for complex claims with disputes, negotiations might become protracted, potentially prolonging the overall process.

Not Always Necessary: For very small, straightforward claims with clear damage, the fee might not be worth the added value.

Varying Quality: As with any profession, the expertise of PAs can vary. It is important to research and select a reputable, licensed professional.

Insurer Perception: Some insurance companies might perceive the use of a PA as an adversarial action, potentially making the process more contentious (though this is not always the case).