Frequently Asked Questions

• Public adjusters (private adjuster) are licensed property claim professionals who work solely for the policyholder and not the insurance carrier. A public adjuster is an expert that you retain to assist you in the navigation, preparation, presentation and adjustment of your insurance claim.

• In New York State, only licensed public adjusters and attorneys can legally represent policyholders in property damage insurance claims. Contractors are not permitted to negotiate or advocate on behalf of the insured.

• The insurance company has experts working on their behalf, why shouldn’t you?

There are no out-of-pocket fees for you, the Insured. We work on a contingency basis, meaning we only get paid when you receive a settlement. Our incentive is directly aligned with yours—securing a fair and adequate settlement to restore your home or business to its pre-loss condition.

We are compensated by receiving a percentage of your final settlement. As your fiduciary, our responsibility is to maximize your financial recovery. A skilled Public Adjuster often more than pays for themselves by negotiating a significantly better settlement than the insurance company’s initial offer.

Studies show that homeowners who work with public adjusters tend to receive higher settlements—even after fees—compared to those who negotiate alone. Without a Public Adjuster, insurance companies may lowball your claim, leaving you with unexpected out-of-pocket costs to restore your property.

New York State law caps Public Adjuster fees at 12.5%.

• Hiring a public adjuster eliminates the hassle and headaches of dealing with insurance companies. With over 35 years of experience, we understand the key players and their strategies, allowing us to navigate the claims process effectively.

• When you work with us, you gain a team of experts who thoroughly analyze your policy, assess damages, and develop a tailored claim strategy to secure the fair settlement you deserve. We leverage advanced technology to accurately estimate damages and fully document the scope of your loss, ensuring a strong case for your claim.

• We handle all communication, coordination, and follow-ups with the insurance carrier—so you don’t have to worry about chasing adjusters or rearranging your schedule for inspections.

• Beyond managing your claim, we also coordinate with vendors working to restore your property. You’ll have access to our exclusive network of trusted professionals, ensuring you work with companies known for quality, timeliness, and professionalism.

• Most importantly, we negotiate with insurance companies every day and have a proven track record of securing settlements significantly higher than the initial offers.

• There’s no one-size-fits-all answer to how long an insurance claim will take. Several factors influence the timeline, including the complexity of the claim, your insurance company, and how responsive they are (spoiler: many are not).

• Securing the full compensation you deserve takes time. While progress may not always be immediately visible, rest assured that we are actively following up to keep the process moving as efficiently as possible. Transparency is a core value for us—we keep you informed every step of the way so you’re never left wondering about the status of your claim.