Anyone considering filing a property Insurance claim should also think about hiring a Public Adjuster, especially if the claim is for a large amount or involves more than one type of coverage in the policy. When you hire a Public Adjuster from the start, resolving your claim tends to get resolved quicker and easier.

As a policyholder, you have little to lose - Remedy Claims will visit your property to review the damage free of charge. Calling us first will help you determine the severity of the damage and whether you should file an insurance claim.

Even if you are confident in the dollar value of your property loss, it is good practice to get a second opinion especially on a costly event like a home insurance claim. Frequently, Property Adjusters visit a home or business only to find that their loss estimate provided by the insurance carrier or contractor is far below what it should be. Public Adjusters are experienced in not only assessing your damage, but also in understanding your policy to know the various pieces of coverage. As a policyholder, you might not know about underlying damage or additional coverage. (For example, we often see when part of a roof is destroyed by wind, a homeowner risks miscalculating the cost of a new roof and neglecting to include the cost of removing the damaged roof or the cost of each of the components needed to properly install the roofing system.)

It's also important for property owners to remember that the insurance company's focus is to minimize their loss, not yours. You need someone who understands the process on your side to look out for you. Submitting an organized, accurate, and detailed claim is crucial to getting the right about of money from your insurance carrier to cover a property loss. Remember, even the best homeowners insurance carriers will rarely pay more than the amount claimed. Policyholders need to be conscious of whether they are claiming the correct amount. Hiring a Public Adjuster can help ensure that.

Remedy Claims Consulting does not charge a fee for visiting and inspecting your property and discussing the best path forward with you. In line with the industry, there is normally a fee for assistance with filing a claim.

Typically, a Public Adjuster will charge a percentage of whatever the Insurance Carrier ultimately pays for a claim. For example, say a policyholder hires a Public Adjuster with a 10% fee and their Insurance Carrier ultimately pays $100,000 for their claim. The policyholder would then owe the Public Adjuster $10,000.

The fee percentage varies between Public Adjusters and is usually capped by local or state law. For example, in the state of Texas, fees cannot exceed 10% of the total claim value.

There are several things a policyholder can do to make sure they are hiring a good Public Adjuster. The first thing they should check is whether the Public Adjuster can legally practice in your state. Public Insurance Adjusters must be licensed in every individual state they practice in. Like other professionals, they also must be bonded and participate in continuing education courses to maintain their licensure. Do not work with any individual, such as a contractor or an attorney, that offers to provide claim adjustment services if they are not licensed to do so. Practicing without a license is not only against the law, but demonstrates that they do not have the appropriate benchmark of knowledge and qualification to help you appropriately.

More than likely, you will be working with the Public Adjuster who does your initial consultation. As a policyholder, you might prefer to work personally with a single Adjuster, but having a firm utilize more than one insurance professional can also sometimes prove beneficial. At Remedy Claims Consulting, you may work with one or two of our Public Adjusters. We typically involve a second Adjuster when the loss involves personal property. To maximize your claim value, our specialized Contents Public Adjusters will assist you with all personal property and additional living expenses.

When selecting a Public Adjuster, It's important that you ask what types of claims they have worked on and whether or not they have experience working with your insurance carrier. Additionally, its important to know how long they have worked in the industry and what their results have been.

Yes! Your Public Adjuster generally handles the entirety of a claim for their clients and update the client if there is a change, delay, or settlement offer. At Remedy Claims Consulting, we will keep you and your chosen contractor updated throughout the claim process and as statuses change. 

Due to conflicts of interest, it is against the law for your Public Adjuster to also be your general contractor.

Policyholders who file a claim and receive a proposed settlement from their insurance carrier that they see as unfair often think they need to hire an attorney to dispute their claim. In most cases hiring an attorney is unnecessary and not the most effective course of action. In fact, instead of an attorney, they need to hire a Public Adjuster.

Unfortunately, policyholders commonly hire a Public Adjusters at the end of the process - after an unacceptable claims settlement offer has been made. While a Public Adjuster can assist in reopening a claim and filing a supplemental claim for additional compensation from their insurance carrier, it's always better to engage a Public Adjuster from the beginning in order to avoid such situations.

If a Public Adjuster still believes the policyholder is owed a larger settlement after negotiations with an insurance company are final, then you may consider litigation. Remedy Claims Consulting works very closely with Hunter Klein of Green Klein & Wood in cases where legal assistance is needed. Hunter is a Founding Partner based out of the firm’s Houston office and maintains a national practice in the first party insurance arena, with an emphasis in bad faith carrier conduct. At Remedy Claims Consulting we strive to make sure our clients are taken care of throughout the entire process.