Why hire a public adjuster?
The Public Adjuster Fiduciary Advantage
Facing a major insurance claim is a complex process with many players. Unlike others, a public adjuster holds a legal fiduciary duty, meaning your financial interests are protected from the very beginning. This guide explains how this unique advantage, combined with a strategic approach, empowers you to get a fair settlement. Starting with a public adjuster is the most empowering and strategic step for policyholders.
Public Adjuster vs. Contractor vs. Attorney:
The Fiduciary Choice
Understanding the difference between a public adjuster, contractor, and attorney is crucial for your insurance claim. Many policyholders are confused about who to hire first after property damage. This guide clarifies the distinct roles and ethical relationships of each professional. Learn why your fiduciary advocate is the only one legally obligated to put your financial interests first for a fair and full insurance settlement.
Public Adjuster | Contractor | Attorney | |
Primary Role | The Policyholder's Representative for assessing and negotiating the claim. | The Repair Specialist for fixing the physical damage to your property. | The Legal Expert for handling litigation and legal disputes. |
Relationship with You | We hold a legal fiduciary duty to you, the policyholder. This requires us to always put your financial interests above our own, ensuring a fair and full settlement. | Their relationship is contractual. Their focus is on the agreed-upon rebuild, not on negotiating your financial settlement with the insurer. | Their relationship is legal, and client based. They handle the legal and litigation aspects of your claim, which typically follows the negotiation phase. |
Expertise | Policy interpretation, damage assessment, claim documentation, and settlement negotiation. | Construction, building codes, and repair techniques. | Insurance law, litigation, and negotiating legal settlements. |
Your Duties After a Loss | We complete any required proofs of loss and guide the policyholder to meet the policies conditions. As your fiduciary, we handle this critical, early-stage work. | Focuses on repairs; cannot prepare proofs of loss or assist with meeting the policies conditions. | Can complete proofs of loss and assist with meeting conditions but typically enters after negotiations fail. This is early-stage work is vital for later legal action |
Why Start Here | We ensure you get a fair settlement first, so you have the funds needed for proper repairs. | You need to know the full cost of repairs before you hire a contractor, which is what we help you determine. | Legal action is rarely needed at the start of a claim. We can often resolve the issue before a lawyer is necessary. |
The Fiduciary Advantage: Results in Action
Claim Studies
How We Helped Georgia Policyholders
*Disclaimer: The claim studies on this website are for informational purposes only and illustrate the types of services we have provided to past clients. The results achieved in these claims were dependent on the unique facts and circumstances of each matter. Past performance is not a reliable indicator of futue results, and the outcome of your specific claim cannot be guaranteed.
Marietta, Georgia
Structure Fire
Renters Policy
Initial Offer: $7k
Settlement: $95k
We were hired in the beginning of the claim process, right after the loss. This allowed us to properly document all the affected personal property to prove the amount of the loss.
Dallas, Georgia
Fallen Tree
Homeowners Policy
Initial Offer: $4k
Settlement: $80k
We were hired over a year after the initial claim process. We reviewed the full policies coverages and were able secure additional payments and bring the loss up to code.
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