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What is a public adjuster

A public adjuster is a licensed individual who advocates for the policy holder (you) in an insurance claim, unckuding appraising the loss and negotiating with the company for settlement. A public adjuster should appraise you damage, prepare an estimate and all supporting documentation for the building and personal property, understand your insurance policy and the coverages that apply, and negotiate on your behald with the insurance comapny's adjuster.

What claims should I hire a public adjuster for?

Public adjusters can be called to adjust claims such as fire, windstorms, floods, explosion, ice damage or other property damage. Included in these claims can be business interruption, loss of rental income, ordinance of law upgrades, and additional living expense incurred due to a loss by a client.

Should I hire a public adjuster?

As a policyholder, you have little to lose and a lot to gain in hiring a public adjuster. Piper Ledge Adjusting and Appraisal offers a free consultation on your loss to determine the severity of damage to you property. We won't take your claim if our work won't be beneficial to you, but we can help you on the right road to a fair and reasonable settlement.

If I'm in the middle of a claim and receive an offer I believe is too low, is it too late to hire a public adjuster?

It's not to late to hire a public adjuster at this time. Though it is preferred to be hired at the beginning to ensure paperwork or necessary scope has been correct, you can hire a public adjuster at any time in your claim process to help you.

What does a public adjuster do that I can't do on my own?

Public adjusters don't necessarily do anything you can't - however, this is our job. We are licensed to read and understand your policy. We are familiar with buildings and their construction. We create a detailed invenoty of your items from the big furniture to the toothpick in the kitchen drawer- and then price it. We file all your paperwork, complete all the calls to the insurance company and argue for you. 

Suffering a loss like a total house fire is a difficult experience for everyone and is a full-time job to receive a complete settlement. We do the hard parts for you so you can focus on recovery and returning to life as it was before.