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 you experience damage to your home or commercial property. 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, and we will review your claim for free.

Your insurance company’s claims adjuster is working to settle in a manner that benefits your insurance company. While their adjuster 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, rely on taking time to make detailed estimates. Hiring a public adjuster (like On-Site Adjusting) ensures that you will get the maximum settlement possible within the confines of your current insurance policy.

The process of working with a public claims adjuster (like us) is very straightforward. You simply contact us with the details of your claim, we’ll ask you questions and request documentation / evidence based on your insurance company and our knowledge of your specific 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.

The state allows a maximum of 10% adjustment fee, and this fee is negotiable. The fee is waived if the insured uses On-Site Adjusting as the restoration contractor.

Yes, the claim is on average increased by 30%-50%. This will increase your budget on material costs. Also, if you use On-Site Adjusting as your contractor the adjustment is free allowing increased budgets for repair.

While your insurance company may be upset at 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.

There are three possible candidates:

• Individual property owner (you), who may lack the experience needed to estimate the claim.
• Attorney, who charges up to 30% without providing restoration services.
• Public adjuster (us), who is 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. This contractor is a preferred vendor of the insurance company and is loyal to the insurance company and not you, the policyholder. This will minimize your claim and in turn lower your restoration budget.