A public adjuster represents the client and works on their behalf.

You’re not the carrier. A public adjuster works with the client’s best interests in mind.

Mind, ensuring that all considerations are made in the event of a covered loss.

The PA (public adjuster) seeks to maximize your claim outcome for

A fee. When a PA is hired, the additional funds paid by the carrier typically go far.

Exceed the fees owed to the PA. The PA has knowledge and tenure that many do not.

Insurance claims adjusters may lack. Years of experience in adjusting,

construction, customer service, and damage assessment are crucial in a public

adjuster’s resume and may not be present in an insurance company’s adjuster.

Statistics, evidence, and my experience have revealed that those who hire a

Public adjusters receive more money from the carrier than those who don’t. I

always strive to give the best outcome, and if I do not think my involvement will

To get you a better claim outcome, I will tell you up front. I will not charge you for it.

My services are available unless you get more money with my involvement.

Depending on where you are in the claim process, this claim can be resolved in as little as a few days or take several months. Each claim is unique, though.

The process of handling claims is the same.

Once you sign up for my services, I can.

Take it from there! I will update you throughout the process.

Normal Steps in the Process 

1.) Information Gathering: (The carrier and I will work with you to get any additional information. 

2.) The Waiting Game: (There may be a lot of going back and forth with the carrier before an agreement is reached).

In rare cases, an attorney might be necessary.

All the above would be.

Clearly communicated throughout the process.

This is not to be construed as a real estate appraisal, such as when you wish to sell your home or refinance a mortgage.

Insurance appraisal is an option and a right under Michigan law, by which you can demand a second opinion on your claim outcome and evaluation.

This is a powerful and highly successful resolution that many consumers are unaware of.

This clause is invoked when you and the carrier cannot agree on the amount of loss. You hire an appraiser to represent you.

(That would be me; a public adjuster can be the appraiser in Michigan.)

Then the carrier hires an appraiser. An appraiser to represent them.

(Their appraiser and I go to bat and work together to agree.)

If we still cannot agree, the last option under this clause is to go to an umpire. This is used in about 10% of my cases.

This is when the carrier appraiser and I are so far apart. We have little or no choice but to seek the input of the umpire, and such an umpire makes the final decision on the claim's outcome.

The utilization of an umpire is a last resort because you would incur additional costs for the umpire’s time, and there is no guarantee that you would get more with an umpire.

All of this appraisal clause is outlined in your policy.

This is money held by the insurance company.

The carrier, in proportion to the age of the respective materials on your property. Like a vehicle, the older such materials are, the less value they typically have. Most policies have recoverable depreciation, meaning if you complete the repairs, you actually get this money back. This is called replacement cost.

Not all policies have this additional coverage, but most do.

I can confirm what coverage you have on your policy.