Public Insurance Adjusting

What is Public Adjusting?

A public adjuster is a licensed insurance professional who advocates exclusively for the policyholder, not the insurance company. Unlike the adjuster your insurance company sends, we work for you.

Insurance companies employ teams of adjusters, engineers, and attorneys to minimize what they pay on claims. A public adjuster levels the playing field by bringing the same expertise and tools to your side of the table.

When Do You Need a Public Adjuster?

• Your insurance claim was denied or underpaid
• You’ve experienced significant property damage from storms, water, fire, or other disasters
• The insurance company’s estimate doesn’t cover the full cost of repairs
• You’re overwhelmed by the claims process and paperwork
• You disagree with the insurance company’s assessment of your damage

Our Approach

With over 22,000 customers served and David Hogan’s background as a general contractor, we identify damage that other adjusters miss. We use professional-grade equipment including thermal imaging, 3D scanning, and moisture detection to document every detail.

We handle the entire process:

1. Thorough property inspection and damage documentation
2. Detailed estimate preparation using Xactimate
3. Claim filing and negotiation with your insurance company
4. Settlement advocacy to maximize your payout

No Upfront Cost

We work on a contingency basis, meaning you don’t pay unless we recover money for you. Our fee is a percentage of the settlement, so our interests are aligned with yours.