Our licensed and bonded public adjusters are here to advocate for policyholders throughout the entire insurance claim process. With decades of experience working on both the insurer’s side and the policyholder’s side, our team understands how to navigate claims from every angle and ensure you receive a fair settlement. A public adjuster works exclusively for you—not the insurance company! In fact, a government report (No.10-06) produced by OPPAGA (Office of Program Policy Analysis & Government Accountability), found that policyholders who used a public adjuster received insurance claim payouts 747% higher on average than those who did not.  From start to finish, we guide you through the entire process—handling paperwork, negotiations, and communication—so you can focus on rebuilding while we fight for the settlement you deserve.

An appraiser is brought into an insurance claim when either the policyholder or the insurance company invokes the appraisal process—usually after negotiations reach a standstill. Both parties select their own appraiser, typically professionals with extensive experience in the insurance and construction industries. Once selected, the two appraisers jointly select a neutral umpire. They then inspect the property, assess damages, prepare detailed estimates, and work together to negotiate a fair settlement. If the appraisers agree, their decision is binding and the claim is resolved and an appraisal award is issued. If they cannot reach an agreement, the claim will then go to the selected umpire, and their decision becomes binding once at least two of the three parties reach agreement.

The umpire is a neutral professional with expertise in both insurance claims and construction. If the two appraisers are unable to reach an agreement, the previously selected umpire steps in to review the claim. The umpire evaluates the property, examines the evidence, and works with both appraisers to come to an agreement. Once a final decision is reached, an appraisal award is issued, which becomes binding and settles the claim.

Our team is here to support you with every aspect of the insurance claims process. From claim reviews and policy analysis to preparing detailed estimates, we provide the expertise you need to navigate your claim with confidence. If you have questions or need guidance, don’t hesitate to reach out—we’re here to help.