top of page


"There's a good chance that you didn't arrive here by accident.

More than likely you've been referred to us by an associate, colleague, family member, friend or someone else who cares. We are here to represent your interests exclusively and help you get your home or business back in order quickly and with proper settlement."


Public Adjuster Services


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.


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.


Just Claims Insurance 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. Just Claims 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.


Insurance Claim Process


Just Claims Public Adjusters team of professionals will arrange and promptly implement a strategic plan for recovery. We work closely with each client to understand their objectives and goals and to expedite their immediate needs. Just Claims Public Adjusters will work with you through the progression of your claim and keep you fully informed of our progress and new developments. Knowing that your claim is being handled diligently will allow you tend to your normal operations and other recovery efforts, while ensuring that you are on equal footing with the Insurance company.


Key Activities


  • Address your immediate questions and concerns about the loss.

  • Meet with you, at your convenience, to assess your immediate needs, and to assist you with any emergency measures, housing, security and protection from liability.

  • Assemble Claim Preparation Team

  • Report your loss, provide written notice

  • Investigate and measure the extent of the loss.

  • Establish a professional line of communication with the insurance company's representatives (i.e. staff and independent adjusters, accountants, experts and attorneys )

  • Expedite emergency services and building repairs

  • Examine your policy to analyze coverage.

  • Respond to non-waivers and reservations of rights

  • Evaluate clients compliance responsibilities. Assisting you and advising you in how to substantiate and support your claim.

  • Prepare detailed computer model estimates and evaluations of the claim with industry standard tools such as xactimate. 

  • Prepare supplemental claims filings and summaries of items in dispute.

  • Prepare documentation for advance and interim payment requests

  • Facilitate the inspection of your property with the company adjuster to establish an agreed scope of damage.

  • Correlate information received from builders, architects, engineers, contractors, restoration companies, vendors, accountants, salvors or other experts

  • Gather documentation and prepare damage, business and personal property inventories and valuations of replacement cost / depreciation / actual cash values

  • Prepare statements according to your books and/or accounting records of the cost of property or business interruption losses

  • Assemble and prepare data for business interruption, extra expenses, loss of rents, and additional living expense claims

  • Assess production and sales trends to forecast business interruption

  • Finalize inventory, estimate, statement of values and loss or any account necessary to present claim and deliver to insurance company representatives

  • Apportion the loss if necessary (multiple insurance policies)

  • Present Summary of Loss and insurance claim package to the adjuster in a professional and user friendly format.


  • See that Proof of Loss is executed and filed timely

  • Represent your objectives and interests, act as conduit for negotiation and settlement of the claim to insured's satisfaction

  • File supplemental claims

  • If necessary, arrange for appeals or appraisal from any adverse position taken by claims representative

  • Follow-up on status and collections of the claim

  • Assemble and prepare documentation for post settlement recoverable depreciation recovery and/or other allowances withheld

  • Coordinate submission of claim documentation, settlement checks and payment requests with supporting repair documentation to insured's mortgage company or lien holders

  • Assess and negotiate salvage buybacks

  • Assist with any subrogation efforts required of you or on your behalf.

bottom of page