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Firefighters at the scene of an apartment fireYour home or business and its contents have been damaged or destroyed by a catastrophe like fire or water...

What's next?

Your first instinct is to take back some measure of control over your life so that you can begin to regain some sense of normalcy. 

Here are some things you can do:

  1. Make sure your family is safe and report the claim to your insurance agent.
  2. If possible, leave the damage untouched until it can be documented.
  3. Call the team at Consumer Adjusters, LLC toll-free at 877-785-5802

Consumer Adjusters, LLC is a team of individually licensed public insurance adjusters who can take the burden of filing your claim off your shoulders and let you attend to your work and family life.  We are experts in the complex arena of insurance policies: we know the jargon and the loopholes that might prevent you from getting the settlement you’re entitled to.

You and your family deserve the very best chance to regain as much of what you’ve lost as possible.  The team at Consumer Adjusters, LLC will work to get you the best settlement possible.  Why wouldn’t you use every tool available to you to ensure your family’s financial security?

Do I really need a public adjuster?  I’ve known my agent for years – between us, can’t we file our claim?
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FAQ answerNo matter how good a friend your insurance agent is, you and your family deserve independent representation.  It will be the insurance company’s adjuster, not your friendly agent, who appraises your damage and assembles the settlement offer on behalf of the insurance company.  Your agent may be an expert in insurance, but from the perspective of coverage, rather than claims adjustment.  Insurance company adjusters are skilled in appraising damage in a way that gives the appearance of being fair to you, the person who suffered the loss, while protecting the interests of their employer, the insurance company.

According to a recent article by Bloomberg News (Home Insurers' Secret Tactics Cheat Fire Victims, Hike Profits), insurance companies have created incentives for their adjusters to assess damage and replacement costs at the lowest justifiable level in order to increase profitability for the underwriters.

No matter how you feel about your agent or the insurance industry, you and your family deserve the chance to get the very best settlement you’re entitled to.  The team of experts at Consumer Adjusters, LLC will give you that chance.  There are no up-front costs.  Why wouldn’t you call them?

My agent says my insurance company uses an independent adjuster.  Is an independent adjuster the same as a public adjuster?
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FAQ answerNo.  An independent adjuster is a sub-contractor hired by the insurance company to do a job that might otherwise be handled by an in-house adjuster.  Just like the in-house adjuster, an independent adjuster represents the insurance company.  A public adjuster is your advocate, representing you, the policy-holder.

A restoration company has offered to appraise our loss and represent my family in dealing with the insurance company.  They say we don’t need a public adjuster.  Why should we choose you instead?
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FAQ answerRestoration companies are not licensed as adjusters and they lack expertise in the complexities of insurance policies.  They typically rely on the insurance adjuster to interpret the policy for them.  Consequently, they are an extension of the insurance company and are not likely to find additional money that you are entitled to, beyond the adjuster’s offer.

Restoration companies can be a valuable resource in their area of expertise: restoration.  However, they do you a disservice when they claim to have authority or expertise in claims adjustment.

Only a public adjuster or an attorney is qualified and licensed to represent you in negotiations with your insurance adjuster.

If your home or business has been damaged or destroyed, call the team at Consumer Adjusters, LLC today!

Consumer Adjusters, LLC
877-785-5802 (toll-free call)

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