Public Adjuster

PO Box 123
935 Clearwater Center
Clearwater, MN 55320

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Public Adjusting FAQ's

How long does it take to settle a claim?

It will depend on the claim. A small claim may take a week or two, but a large claim can take from two to four months.


What if we cannot come to an agreement with the insurance company?

Then you have the right to take your insurance company to what is called adjustment (it’s like arbitration). Both you and your insurance company will pick an adjuster to represent both of you and they in turn will pick an umpire as a third neutral person. The three of them will meet at the site of dispute and come to an agreement as to what will be paid. There is a cost to be shared between the policy owner and insurance company for the umpire which will vary from umpire to umpire but in most homeowner claims ranges from $500 to $600 for each party.


What does it cost to use a public adjuster?

The fee charged by a Public Adjuster will be a percentage of the award or settlement. This fee is on a contingency basis. If you do not receive a settlement from your insurance company, there is no fee. Fees will range from 5% to 10% depending on complexity of the claim. This fee is generally paid in full upon receipt of settlement check from the insurance company.


Are you connected to insurance companies?

No. We work exclusively for you, the policyholder, and not for insurance companies.


Why do I need help with the claim?

There are many reasons why you might want to consider help from a Public Adjuster when obtaining your claim.  A claim is required to be a written and itemized statement of all of your losses. You may not know what all of your damages are, and an insurance company is not required to tell you, which puts all of the responsibility on your shoulders. A Public Adjuster would help you identify the extent of your damages.


Just the task of filing a claim is tedious and time-consuming. A Public Adjuster takes the stress of this procedure and gives you the opportunity to focus on other things while they take care of everything else. Public Adjusters will be able to save you from getting you settlements from your insurance company that is less than what you deserve. Public Adjusters know the costs for repair and replacement for your damages and will find everything that needs fixing that an insurance company may have overlooked. A Public Adjuster is well-versed in dealing with insurance companies; they know what to say and what not to say in order to maximize your claim and your satisfaction.


Won’t I get the same results if I work directly with my insurance company’s adjuster?

Not necessarily. Insurance companies hire and train their adjusters to minimize your losses. Their adjusters do not work directly for you - they work for the insurance company. As a Public Adjuster, we don't want you to be misled. Insurance companies have their interests at heart, while a Public Adjuster has your interests at heart. Insurance companies may overlook damages that will later manifest into a bigger problem, or they can estimate the repair coast at a much lower rate than it is. Of course, not all insurance companies use these tactics to their advantage, but that is why having a Public Adjuster on your side is helpful. We will be able to guide you through the process so that you do not fall into a trap.


Is it too late to reopen my file if I’ve already received payment for my claim from the insurance company and have realized it is too low?

No. A Public Adjuster can reopen your file at any time and work with your insurance company to achieve a higher settlement. However, it can be difficult to do so after you've already received the payment. This is why we encourage hiring a Public Adjuster from the beginning to avoid any mishaps like this.

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