Question 1

What is a Public Adjuster?

Accepted Answer

A Public Adjuster is a professional insurance adjuster licensed to work exclusively for the benefit of the policyholder. We prepare, present, and negotiate property claims for you to your insurance company. Insurance carriers have professionals looking out for their interests and using a public adjuster puts a professional on your side as well!

Question 2

Why would I need or want my own adjuster?

Accepted Answer

Your insurance company will send their own adjuster or utilize the services of a sub-contracted claims adjuster to represent their interests. From the beginning, the insurance company wants to pay out as little as possible and these insurance adjusters are paid by the very same company that owes you a fair settlement. A questions to ask yourself, should you trust someone to tell you what they owe you if they have a vested financial interest in the outcome?

Question 3

Who pays for the services of a Public Adjuster?

Accepted Answer

At Keller Consulting, we only get paid if we get you a better results and then we only get paid a percentage of your increased settlement.

Question 4

Can my contractor help me the same way a public adjuster can?

Accepted Answer

Typically a contractor is not a licensed public adjuster and cannot help you in the same ways. Contractors can certainly write an estimate to repair, but unless they are not a licensed public adjuster then they cannot investigate, appraise, evaluate, prepare a claim, interpret the insurance policy, give claim advice, or negotiate the claim.

Question 5

Do I need to file a claim before we talk?

Accepted Answer

No. We can discuss your loss and determine if you have a valid claim before you even turn it in. If we determined that you have a valid claim and it is in your best interest to turn in a claim, then we will assist you with that process once you have engaged us to represent you.

Question 6

Will I get a higher settlement if I hire a Public Adjuster?

Accepted Answer

In many cases, yes. But we may also tell you that everything appears to be adjusted correctly and we don’t believe you need our services. We can only get you what you are owed by your policy in force at the time of the loss. In some cases can be much more than your insurance company offers.

Question 7

My claim was denied - can you still help?

Accepted Answer

Yes. We offer a free policy review and will will carefully go over the documentation on why your claim was denied. There is often a very good chance that your claim should have been paid.

Frequently asked questions