A public insurance adjuster is a licensed professional who represents policyholders throughout the insurance claims process. Unlike insurance company adjusters who work to protect the insurer's interests, public adjusters work exclusively for you, the policyholder. Their role is to evaluate property damage, provide accurate repair cost estimates, and negotiate directly with your insurance company to expedite the process and secure the maximum settlement possible.

Benefits of Working with a Public Adjuster at Twin City Public Adjusting 

At Twin City Public Adjusting, our staff and adjusters bring a wealth of experience and expertise to every insurance claim we handle. We prioritize your best interests, guiding you through each step of the claims process to ensure you receive a fair and just settlement.

As seasoned public adjusters, we understand the complexities of the insurance claims process and what it takes to restore your property to its pre-loss condition. With our team by your side, you can feel confident knowing your claim is being handled with care, precision, and a focus on achieving the best possible outcome for you.

How We Help You Through the Claims Process

1. Assessing Your Loss
   We conduct a thorough inspection of your property to evaluate the extent of the damage and determine the coverage you are entitled to under your policy. For commercial properties, we also account for additional losses, such as business interruption.

2. Claim Documentation
   Our team assists you in accurately documenting your claim to maximize your benefits and avoid common errors that could delay the process.

3. Evaluating Your Policy
   We carefully review your insurance policy to identify all applicable coverages and ensure you fully understand your rights and the obligations of your insurer.

4. Preparing a Claim Report
   We compile detailed reports that include assessments of structural damage, property inventory, and additional expenses. When necessary, we collaborate with experts such as appraisers and engineers to provide strong support for your claim.

5. Negotiating Your Settlement
   Acting as your advocate, we handle all communications with your insurance company to ensure your claim is processed fairly. We also represent your interests during inspections to secure the best possible outcome.

6. Maximizing Your Settlement
   If your initial settlement falls short, we work to identify underpayments and negotiate for the full compensation you are entitled to under your policy.

Payment Structure

Public adjusters operate on a contingency basis, meaning their fee is a small, fixed percentage of your settlement and is only payable after you receive reimbursement from your insurance company. Typically, this fee is around 10% of the total settlement, ensuring their interests are aligned with yours in securing the maximum compensation possible

Importance of Hiring a Public Adjuster

Your home or business represents one of your most significant investments, built through hard work, expense, and cherished personal experiences. When disaster strikes, the insurance claims process can be overwhelming and stressful.

Hiring an experienced public adjuster can greatly ease this burden. A skilled adjuster takes on the complexities of handling your claim, allowing you to focus on rebuilding your life or business. With their expertise, they ensure you receive the maximum settlement while alleviating much of the stress and uncertainty that often accompanies the process.