Initial Claim Review
We discuss the loss, the current claim status, and the questions you want answered.
The Claim Process
How the Public Adjusting Process Works
A clear process turns property conditions, policy terms, estimates, contents, and correspondence into an organized claim file.
- Free Claim Review
- Policyholder Representation
- Detailed Documentation
Step by Step
From Initial Review to Claim Resolution Support
Property Inspection
We inspect visible conditions and identify areas that may require closer documentation.
Policy Review
We review the policy, endorsements, deductibles, and the insurer's stated position.
Damage Documentation
We organize photographs, measurements, inventories, estimates, and supporting records.
Claim Presentation
We prepare and present the documented claim and communicate with the insurance company.
Negotiation Support
We address scope and valuation questions while working toward a policy-based resolution.
What to Bring
Helpful Documents for an Initial Review
Contact us even if you do not have everything. These records simply help us understand the claim more quickly.
Insurance Policy
Coverage forms, declarations, endorsements, and available renewal documents.
Claim Number
The carrier, adjuster contact, reported date, and current claim status.
Insurer Estimates
Scopes, payment letters, depreciation, deductibles, and explanation-of-benefit documents.
Photos & Video
Conditions before cleanup, emergency work, demolition, and any continuing damage.
Invoices & Proposals
Mitigation, temporary repairs, contractors, specialists, and damaged-item records.
Correspondence
Emails, letters, requests, reports, denial language, and prior submissions.
Who Handles What
You Stay Informed While We Organize the Claim
You Provide and Approve
- Known loss history and property access
- Available policy and claim records
- Decisions that require policyholder approval
- Updates about repairs, invoices, and changing conditions
We Prepare and Communicate
- Property and claim-file review
- Damage and contents documentation
- Estimate and supporting-record organization
- Insurer communication and negotiation support
Frequently Asked Questions
Frequently Asked Questions
How long does the public adjusting process take?
Timing varies with the loss size, access, mitigation, specialist needs, insurer response, and policy issues. We explain the next step without promising a completion date.
Can you start after the insurer has inspected?
Yes. We can review what was inspected, the current estimate, later-discovered conditions, and the documentation still available.
Will you communicate with the insurance company?
Communication and claim presentation can be part of the engagement, subject to the written agreement and any required authorization.
Do I need every document before calling?
No. Start with what you have. We can identify which missing records may be helpful after the initial review.
How are fees explained?
The applicable fee and service scope should be disclosed in a written agreement before work begins. Ask questions until the terms are clear.
Ready to Have Your Claim Reviewed?
Bring the records you have and the questions you want answered. We will help identify the next practical step.