What is a public adjuster?

A public adjuster is someone who represents the home or business owner, not the insurance company, during the property insurance claims process.

Why do I need a public adjuster?

You should use a public adjuster because, although insurance companies market themselves to be there for you in your time of need, the reality is that insurance companies are working to protect their own interest and those of their shareholders. Denials, minimal payments, and incomplete damage assessments are some of the ways they accomplish this. You need a public adjuster with knowledge and skill in the claims handling process to protect your interests.

What do I do if disaster strikes my home?

First, make sure your family is ok then take action to prevent further damage to your home. Next, call PB&K before you call your insurance company so we can come out and evaluate your policy for coverage and explain the claim process while we assess the damage.

What does your service cost?

There is no charge for us to come out and consult with you about your insurance claim. Our service is based on a percentage of the claim that we negotiate for you. You will find our fees to be extremely reasonable, and no recovery, no fee.

What is covered under my insurance policy?

Without a review of your policy it is not possible to tell you, but some of the more common damages come from windstorms, fire, broken or frozen pipes, smoke damage, power surges, theft, vandalism, accidental water overflows, and many other events. Just as important though, is knowing what is not covered and if there is an endorsement that will provide coverage.

If I don’t like the settlement I received from my insurance company, can I still use a public adjuster?

Yes you can. However, it is highly recommended that a public adjuster be involved from the beginning of the claims process.

But I already deposited my insurance check, doesn’t that mean I settled the claim?

No it does not. Insurance claims need to be reopened all the time for a variety of reasons. Just because you cashed or deposited your claim check does not mean you agreed to a settlement.