A public adjuster is a licensed professional who works exclusively for you — the policyholder — not the insurance company. We inspect your property damage, document losses, prepare your claim, and negotiate with the insurance carrier to maximise your settlement. Unlike the carrier's adjuster, our loyalty is 100% to you.

We work on a contingency-fee basis, meaning you pay nothing up front. Our fee is a percentage of your final claim recovery. In Florida, fees are capped at 10% for claims filed within 7 days of a declared emergency and 20% for standard claims. In Illinois and Wisconsin, fees typically range from 10–15%. If we don't recover, you don't pay.

Timelines vary by claim complexity and carrier responsiveness. Simple residential claims often settle in 30–45 days. Complex commercial or multi-peril claims can take 3–6 months. We commit to a 48-hour on-site inspection and average a 3-day turnaround from consultation to signed representation agreement.

Insurance companies have teams of adjusters, engineers and attorneys protecting their bottom line. Without professional representation, policyholders routinely accept settlements that don't cover the full cost of repairs. Our clients consistently recover 90–100% of their policy-entitled benefits — significantly more than self-filed claims.