Frequently Asked Questions
Answers to common questions about insurance claims and public adjustment services
Understanding Public Adjusters
What is a public adjuster?▼
A public adjuster is a licensed professional who works on behalf of policyholders during the insurance claims process. Unlike insurance company adjusters who represent the insurer's interests, public adjusters represent the policyholder's interests. We evaluate property damage, prepare claim documentation, and help ensure fair compensation for covered losses.
When should I hire a public adjuster?▼
Public adjusters are particularly helpful when dealing with significant property damage claims. If you've experienced water damage, fire damage, storm damage, or other substantial property loss, a public adjuster can help ensure your claim receives thorough evaluation and fair compensation. We're especially valuable for complex claims involving multiple types of damage or coverage questions.
How do public adjusters get paid?▼
Public adjusters typically work on a contingency basis, meaning we're paid a percentage of the settlement amount above the insurance company's initial offer. This aligns our interests with yours—we succeed when you receive fair compensation. Our fee structure is transparent and agreed upon before we begin work on your claim.
What types of claims do you handle?▼
We handle a wide range of property damage claims including water damage from burst pipes or flooding, fire and smoke damage, storm damage including wind and hail damage, and multiple-peril claims involving various types of damage. We also have specialized knowledge of flood insurance claims and National Flood Insurance Program coverage.
How long does the claims process typically take?▼
The timeline varies depending on claim complexity and insurance company responsiveness. Simple claims might be resolved in weeks, while complex claims involving multiple damage types or coverage disputes can take several months. We work to move claims forward efficiently while ensuring thorough documentation and fair evaluation.
Claims Process & Coverage
What's the difference between my homeowner's insurance and flood insurance?▼
Homeowner's insurance typically covers water damage from sudden events like burst pipes, but specifically excludes damage from flooding. Flood damage requires separate flood insurance. Flood damage claims require specialized understanding of the National Flood Insurance Program. In Maine, you can verify coverage and access resources through the Maine Bureau of Insurance, which regulates the insurance industry to protect consumers.
How do I know what my insurance covers?▼
Your insurance policy contains a declarations page that outlines your coverage types and limits. We can review your policy with you to explain what's covered, what exclusions apply, and what documentation you'll need for your claim. Understanding your coverage is essential for realistic claim expectations.
What happens if the insurance company denies my claim?▼
If your claim is denied, we can help you understand the reason for denial and determine next steps. We might request reconsideration based on additional documentation, or explore other coverage options. In some cases, we can support appeals or disputes of coverage decisions. Our goal is to help resolve claim denials when coverage should apply.
How is damage valuation determined?▼
Damage valuation considers repair costs, materials involved, labor, and relevant depreciation depending on your policy terms. We prepare professional estimates and documentation supporting appropriate valuation. Disputes sometimes occur over repair costs or depreciation calculations, which we help resolve through professional documentation and discussion.
Can I choose my contractor for repairs?▼
Generally yes—you typically have the right to choose your contractor for repairs. However, some insurance policies include specific provisions about repair processes. We can review your policy details and help guide decisions about contractors, repair estimates, and the overall repair process.
Professional Licensing & Regulation
How do I verify a public adjuster is licensed in Maine?▼
In Maine, public adjusters must be licensed by the state. You can verify licensing and file complaints through the Maine Bureau of Insurance, which regulates the insurance industry to protect consumers. Licensing ensures adjusters meet professional standards and ethical requirements.
What professional standards do public adjusters follow?▼
Public adjusters are required to maintain licensing through state insurance departments and adhere to professional codes of ethics. These standards ensure we conduct thorough assessments, maintain client confidentiality, and act in our clients' best interests. Many adjusters maintain professional certifications beyond basic licensing requirements.
Is there an industry association for public adjusters?▼
Yes. The National Association of Public Insurance Adjusters is the primary professional organization for public adjusters. NAPIA members adhere to professional codes of ethics, maintain certifications like CPPA (Certified Public Insurance Adjuster), and participate in continuing education. NAPIA establishes professional standards and provides resources for consumer protection.
What should I look for when choosing a public adjuster?▼
Look for adjusters with proper licensing, professional certifications, years of experience with claims similar to yours, and transparent fee arrangements. Ask about their approach to claim documentation, communication style, and track record. A qualified adjuster should be able to explain the claims process clearly and answer your questions about professional credentials.
How is the fee amount determined?▼
Public adjuster fees are typically a percentage of settlement increases above the insurance company's initial offer. Fees vary and should be disclosed transparently before work begins. Contingency-based fees align our interests with yours—we're motivated to maximize your settlement. Fee agreements should be documented in writing.
Damage Assessment & Documentation
What should I document after property damage?▼
Document everything through photos and videos showing damage location, extent, and affected items. List damaged items with descriptions and purchase dates if possible. Preserve damaged materials when safe. Create a timeline of events if relevant. Professional documentation becomes crucial evidence for your claim, so thorough initial documentation helps significantly.
Can I make repairs before the adjuster inspects damage?▼
Ideally, wait for professional assessment before making repairs. However, emergency repairs to prevent further damage are often necessary and appropriate. Take photos before emergency repairs. Document the emergency actions taken. Professional documentation of both original damage and emergency measures supports your claim while protecting your property.
What's included in a professional damage assessment?▼
A professional assessment includes thorough visual inspection, detailed photographs, measurements where relevant, documentation of affected materials and systems, valuation of damage, and a professional report. The assessment identifies all damage that should be covered under your policy and supports appropriate claim valuation.
How do adjusters determine repair costs?▼
Repair costs are determined through professional estimates based on current market rates for materials and labor, the extent of damage, and necessary repairs to restore damaged areas. Multiple estimates help establish reasonable valuation. Labor costs depend on complexity and local market conditions.
What happens if my insurance company and I disagree on damage value?▼
If valuations conflict, professional documentation becomes crucial. We prepare detailed reports supporting our valuation and can request reconsideration based on additional evidence. Many policies include appraisal clauses allowing both parties to present evidence to a neutral third party. We help navigate these dispute resolution processes.
Still Have Questions?
If you don't find the answer you're looking for, please reach out to discuss your specific situation