Public Adjusters are professionals who are employed exclusively by a policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.
A sampling of the types of residential or business losses with which a Public Adjuster can assist with:
• Fire and Smoke | • Tornado and Wind Damage |
• Explosion | • Hail and Wind Damage |
• Frozen Pipes | • Vehicle Impact |
• Water Damage | • Collapse |
• Flood Damage | • Vandalism or theft |
Often a physical damage loss can trigger numerous additional losses for businesses. Among the numerous business insurance forms a Public Adjuster will assist with are:
• Business Income | • Extra Expense and Expediting Expense |
• Builders' Risk | • Leasehold Interest |
• Mechanical and Electrical Breakdown | • Inland Marine |
A public adjuster prepares a building repair estimate, an inventory of personal or business property, and a loss of use, loss of rent, or business interruption claim. A public adjuster prepares complete estimates of damage with proper local market pricing of repairs and replacement.
Often times a policyholder knows very little about preparing, presenting, and negotiating a claim, which puts them at a tremendous disadvantage when dealing with the insurance company adjuster. The insurance company adjuster is hired, trained, and paid to represent the interest of the insurance company. Insurance policies are complicated documents. Proper interpretation of your policy is very important. Public adjusters are experts at understanding policies and will collect the fullest extent of your policy coverage. Putting a claim together properly can be very time consuming and emotionally trying. Retaining Public Adjusters of Colorado, LLC puts those problems in the hands of an expert.
When we lost our home in the Panorama Wild Fire, our insurance company American Family tried to cheat us. All I can tell other wildfire victims is to hire Bill right away... he's the best !
My Home
260 Grange. Lane
Carbondale, Colorado
C Cohan
Fireman's Fund refused to pay the full amount for the roof replacements at our complex. Bill and his experienced team were able to expose serious claim adjustment irregularities. Bill was able to obtain the full settlement of $1,907,000. Our Association is grateful for the efforts of Public Adjusters of Colorado. We strongly recommend them to anyone faced with a large claim situtation.
Stroh Ranch Condominiums
Parker, Colorado
- Association President