Frequently Asked Questions

The government realizes that insurance claims are often unfair and overwhelming, so they license public adjusters to allow policyholders to get professional claim help.

Examples:

• Most people use a financial advisor to invest their money to get the best return.
• Most people use a CPA to do their taxes to get the best return. 
• Most people use an attorney if they go to court to get the best return.
• So, when you have an insurance claim, most people use Adjuster4you to "level out" their insurance claim process to get the best financial outcome. This protects you, the policyholder and gets you the best return.

Many of our clients decide to hire us at the beginning to accurately document and handle their entire claim process. The rest of our clients wait for the insurance adjuster to make the first offer and they hire us to get them the rest of what should be paid. Also, if your claim has been denied we might be interested in your claim.

Over a two-year span of reviewing claims, a study showed that claims with a public adjuster nearly DOUBLED the payouts compared to what was offered by the insurance company alone. We have handled claims and created increases well over 500% percent.

As you are already aware, no two claims are identical as each claim is adjusted based on its own specific loss and damages.

As a professional service, we tell your insurance company what they owe you. Our experienced team will meet with you to assess each aspect of the loss including the property, contents, other structures, loss of income, other damages, and so much more. We review your policy, inspect all of your damages, document your damages, scope your loss, answer your questions, meet with the insurance company adjuster, present your damages, negotiate and adjust your claim, and continue to assist you during the entire process. We represent you and work hard to get you everything you are entitled to from your insurance policy.

Similar to car wreck attorneys, we charge a percentage of the insurance settlement amount. Our job is to leave you in a better situation and get you the money you are owed. A public adjuster should be an asset to you, instead of an expense. There are many factors that change the specific fee amount, but your claim fee will be clearly discussed and written into an agreement before you sign anything. 

A fiduciary is someone who manages money or property for someone else. When you're named a fiduciary and accept the role, you must – by law – manage the person's money and property for their benefit, not yours. 

Adjuster4you is a fiduciary to you, the policyholder. The insurance adjuster is also a fiduciary, BUT ONLY to benefit the insurance company that hired them. Nobody else involved in your claim will protect you like we do.

Like a car wreck attorney, we charge a percentage of the insurance claim settlement amount. Our fee gets paid when the insurance claim checks are issued. Our small fee is based on many factors including the type of claim, the size of the scope, location, when we get hired, and more. 

Yes, a Public Adjuster is regulated, but ironically an adjuster that is hired by an insurance company (staff or independent) is not regulated. A Public Adjuster is licensed and regulated by the Department of Insurance in each state they work in. PA’s must study and pass the state insurance exam, be bonded, pass background checks, and have no felony record. It is much harder to become a Public Adjuster than it is to become an insurance adjuster or an independent adjuster. Ironically, only a public adjuster (not an insurance adjuster) is required by most states to be licensed to adjust claims.

We are based in Kansas City and have been helping the public process insurance claims since the late 90's. We have served tens of thousands of clients and would be honored to serve you, too. Our experience, willingness to educate, friendly approach, attention to detail, thorough documentation, precise estimating, professional network, and ability to communicate well puts us at the top of the list to serve you well.

Even if you have an offer that does NOT mean the claim is settled or finalized. We can help protect and uphold the insurance company’s obligation to make proper payments. Under the State’s Insurance Department regulations, you have the right to receive a fair adjustment to your claim. You are not obligated to accept an unfair or low-ball offer from the insurance company.

Even if you have already been paid does NOT mean the claim is finished. You should have a public adjuster review your claim. If they feel your claim was underpaid, then you can engage with Adjuster4you to help you get what is fair.

A public adjuster will handle the claim process for you. It will be necessary for you to provide us with the claim relevant information that is needed and/or requested. It is also necessary to comply with the language in the policy which we will assist you with. Other than that, you should be able to get back to "normal" while we handle the claim.