public adjusting

When it comes to protecting your home, business, assets and income, there are few things as important as a having a proper loss recovery plan designed and executed for your particular needs.

At JustClaims Public Adjusters our focus is on being your advocate, protecting your interests, making sure your claim is paid promptly and fully, and resolving coverage questions and issues.

A Public Adjuster is often required to negotiate against some of the most powerful companies in the world. The job of a public insurance adjuster is a difficult and complex profession which requires a great deal of knowledge about insurance policies and principles; a great deal of knowledge of the law; a thorough understanding of negotiation principles; the skill of insurance damage estimating; perfection in his/her analysis of damages and satisfying the needs of the property owner during one of the most difficult times that a property owner will ever face.

JUSTCLAIMS Public Adjusters will remove the uncertainty and minimize the stress and aggravation out of the insurance claim process. Our Public Adjusters are highly trained, experienced, licensed and bonded professionals engaged by policyholders who have sustained a loss to provide assistance with the loss settlement process. We employ a high degree of technical skill and knowledge in  this highly specialized field. We represent the policyholder and your interests exclusively; we do not have the conflict of interest that can exist for an agent or independent adjuster whose loyalty and responsibilities is to their principal, the insurance company. Public Adjusters represent your interests solely and owe no loyalties to others parties in the adjustment process. We maximize your recovery because our focus is on how to secure the best possible settlement on your behalf.

Our mission is to mitigate your loss quickly and prepare and perfect your claim thoroughly and efficiently. As part of your loss recovery team our professional Loss Advisors, Adjusters and Experts will assess, measure, compile, present and help you negotiate your Claim to a favorable settlement. One of our primary functions is to advise the insured on the value of the loss and provide advice to the insured for his or her negotiation. JUSTCLAIMS Public Adjusters acts as the conduit for these negotiations with the insurance company.  Our goal is to ensure that you get the best possible financial recovery within the terms of your policy and to bring settlement to a speedy and cost effective conclusion on your behalf.

When you suffer a loss your immediate concern is to limit the damage and get back to normal as quickly as possible. There are important strategic decisions to be made. Any missteps or omissions in the handling of a claim such as: inadequate loss control, incomplete presentation, poor preparation, undervaluation or improper interpretation of your policy will result in excessive costs, lengthy delays, lack of coverage and ultimately inadequate settlements. We will guide you in making the crucial decisions demanded and diligently work with your insurance company and their representatives to ensure a complete and accurate presentation of your claim

Generally, Insurance companies employ the best talent available to handle claims on their behalf. Experienced and professional adjusters, construction experts, engineers, forensic accountants and other specialists are utilized to analyze your claim and to represent the insurance companies interests. These professionals handle claims on a day to day basis and are very effective at negotiation and mitigating costs for the insurance company.  On the other hand, loss adjustments are usually not a situation which the policyholder is used to encountering. When they do the complexity of their policy, burdensome requirements and lack of recovery knowledge can often be overwhelming.

We have the experience, resources and ability to help you manage the process successfully. Our professionals will develop a plan dedicated to your interests bringing the resources together which are most suitable for the given circumstances of the loss. Our teams are structured to meet the needs of each client with a view to bringing the claim details to a position ready for presentation to insurers and, most importantly, to a position where substantiation and a favorable settlement may be achieved as completely and quickly as possible. Our thorough analysis of your claim, knowledge of insurance coverage and loss recovery methods often result in identifying additional losses that can increase the insured's recovery.

Many losses consist of damage that may not be immediately apparent but which may be hidden or worsen over time. These damages could lead to further damage and loss and/or devaluation of property later in time. Often you are entitled to these effected areas after your loss. Our experience and knowledge will assist you in identifying what you are entitled to and how to properly present and negotiate for recovery of these items.

Disaster can strike at anytime leaving your home or business damaged and turning your world upside-down. Filing a claim with the insurance company can be a very tedious and stressful process. Handling the claim yourself without the proper knowledge can possibly lead to omissions or errors, which could reduce the amount of your settlement. Relying only on the insurance company’s adjuster estimate of damages may not be the prudent and cost effective solution. The adjuster provided by the insurance company works for them, his job is to arrive at a settlement as quickly as possible. Remember the burden of proof rests on you, the insured, not the insurance company.

A professionally appraised, managed and prepared claim increases the likelihood that you will receive all that you are entitled to from the insurance company while minimizing your aggravation and mitigating your loss. Insurance coverage is not an exact science,  perfecting a claim is more of an art form which encompasses what can be proven, substantiated and negotiated.

Coverage Lines

• Property Commercial
• Property Residential
• Boiler & Machinery
• Business Income
• Extra Expense
• Heavy Equipment
• Builders Risk
• Inland Marine
• Loss of Rents
• Additional Living Expense
• Personal Property
• Business Personal Property
• Condominium
• Flood Insurance
• Crime
• Cargo
• Improvements, Alterations, Additions
• Spoilage
• Various Floaters
• and more

Common Perils

• Fire and Lightning

• Windstorm

• Natural Disaster

• Explosion

• Riot or Civil Commotion

• Looting

• Smoke

• Vandalism

• Theft

• Equipment Breakdown

• Collapse

• Falling Objects

• Weight of Ice and Snow

• Sprinkler Leakage

• Hail and Sleet

• Discharge/Overflow of Water

• Water Damage

• Heating System Explosion

• Sinkhole Collapse

• Spoilage

• Freezing

• Artificial Electricity

• and more