Frequently Asked Questions

A public adjuster is a licensed professional who specializes in handling insurance claims and property restoration. Public adjusters work on behalf of the policyholder, rather than the insurance company.

We calculate our own detailed repair estimates and work to maximize the claim given to the policyholder.

Essentially, we can help prepare, present, and negotiate your insurance settlement after your property experiences damage. Our team of professionals will oversee the entire claims process, ensuring that you receive the maximum possible settlement for your claims.

We can also manage the restoration process for both property and material possessions.

A public adjuster is capable of assisting with both residential and commercial property damage. On-Site Adjusting can help with your claims in the event of a fire, weather damage, water damage, structural damage, roof leaks and/or collapse, and loss of personal property.

If you aren’t sure whether your claim falls into one of the above categories, please contact our team. We will review your claim for free.

The insurance company’s claims adjuster works to settle the claim in a manner that benefits your insurance company. While they will adhere to the standards outlined in your policy, they will likely not be able to provide detailed estimates due to caseload and time constraints.

Public adjusters, on the other hand, take the time to make detailed estimates. Hiring a public adjuster (like On-Site Adjusting) ensures that you get the maximum settlement possible within the confines of your current insurance policy.

Working with a public claims adjuster is very straightforward. You simply need to contact us with the details of your claim. We’ll ask you questions and request documentation or evidence based on your insurance company and our knowledge of your claims process.

Once we understand the details of your claim, we will calculate a detailed repair estimate and handle the entire negotiations process with your insurance company.

While we cannot speed up the claims process for your insurance company, we will expedite the time it takes to collect and send all necessary documentation in the process of filing your claim, as well as all subsequent negotiations with your insurance company. Because of our experience, we can perform all of these tasks in a matter of hours, ensuring the utmost efficiency on our end.

Public adjusters work on a contingent fee basis. Therefore, our payment is a percentage of your insurance settlement. The state allows a maximum of 10% adjustment fee, and this fee is negotiable. However, the fee is waived if you use On-Site Adjusting as your restoration contractor.

Yes, it is. Hiring a public adjuster can increase your settlement by 30% to 50%. This will also increase your budget on material costs. Additionally, if you hire On-Site Adjusting as your contractor, the adjustment is free allowing increased budgets for repair.

While your insurance company might not like the prospect of paying out a higher settlement, they will be happy to work with a professional party who is experienced in the claims and negotiations process. Overall, your insurance company understands that negotiating with a public adjuster is the fastest, most reliable method of settling a claim.

Public adjusters dedicate more time to each claim than the insurance company adjuster. Therefore, they detect details that the insurance adjuster may overlook. With thorough soot, chemical, and moisture mapping, we can show insurance company adjusters hidden or overlooked damages. This helps us justify an increased repair estimate. Typically, this also results in a higher settlement for the policyholder.

There are three possible candidates:

• The individual property owner (you), who may lack the experience needed to estimate the claim.
• An attorney, who may charge up to 30% without providing restoration services.
• Public adjusters (us), who are licensed and experienced to both restore the property and negotiate the maximum possible settlement.

No, this is illegal. Contractors do not have the qualifications or experience to negotiate with your insurance company. 

No. These contractors are preferred vendors of the insurance company. They are also often part of third-party administrator programs. Therefore, they are loyal to the insurer and not you, the policyholder. Contractors recommended by your insurer will often cut corners to save the insurer money. This will minimize your claim and in turn lower your restoration budget.