Frequently Asked Questions

About Public Adjusting

Yes! Public Adjusters are experts in policy interpretation, coverage application, building estimates, contents inventories, additional expense claims and retaining the necessary experts. This takes the burden off the policyholders and allows them to continue with their lives.

Immediately. Securing our expertise at the onset of the claim to make sure compliance with policy conditions are met.

We do not receive compensation until settlement payment is obtained. Our fee is based on the Replacement Cost Value of the settlement on Coverage A (Building), Coverage B (Other Structures) and Coverage C (Personal Property). The fee is based on a percentage of the settlement not to exceed 12.5% in New York and 10% in Connecticut. At the time we are retained we discuss a fair percentage for our fee.

We are compensated with a percentage agreed with the client on the replacement cost value when payment is issued on the dwelling, other structures and contents coverages. No fee is incurred on the additional living expense coverage payments.

The policy covers many different causes of loss including Fire & Smoke, Wind and Storm, Damage from an Automobile, Burst/Frozen Pipes and related mold contamination to name a few. We make sure that all applicable coverage is properly claimed to ensure maximum payment.