top of page

Frequently Asked Questions

We understand that initiating an insurance claim comes

with many concerns and questions. 

We are here to answer them all and help you through 

the homeowners insurance claim process.

  • Why do I need you? Can't I just file a claim without using a public adjuster?
    You can. But it is is never wise to pursue a claim without an experienced advocate on your side. If you file a claim on your own, the results are proven to be substantially less. According to OPPAGA, (the Office of Program Policy Analysis and Government Accountability), using a public adjuster can get you, on average, 747% MORE money than what you would get if you did have a public adjuster as representation.
  • Will my insurance rates go up if I file a claim?
    The good news is that weather related claims are the least surcharged and oftentimes, there is no rate increase by certain carriers, due to the nature of the claim. We do advise our clients that rates are projected to rise about 9% in the coming year due to inflation, whether you file a claim, or not. (Money, 2023) Hardy, Adam (April 2023) Here's How Much Your Home Insurance Will Rise This Year, According to a New Forecast
  • Do I have to use the money to repair damages?
    No. Your insurance company does not require you to repair cosmetic damage. How you choose the money is up to you?
  • How much do you earn from our settlement?
    Our earnings are based on a percentage and are typically 30% of most claims. The fee pays for itself with the larger settlement you will receive by having used our services. We also offer a reduced commission rate in appreciation of our clients who protect and serve. Please mention if you are a first responder, active US military, reserves, or veteran, to benefit. It is our small way of saying thank you for your service.
  • What is a public adjuster?
    A public adjuster is an independent trained insurance professional that advocates for the policy holder with the homeowner's insurance claim process. They work for you and are not an employee of any insurance company.
  • I don't see any damage. Do I really have a claim?
    Yes. We will only take your case if we have identified enough damage worthy of compensation. Our years of experience and proven processes find damages not easily seen bu an untrained eye. Cosmetic damages from smaller storms should be taken seriously, as they can manifest into troublesome issues over time.
  • I am too busy to do this now. How involved do I have to be?
    That is okay! We are licensed to deal with your insurance company so you don't have to. Once we are retained to represent you, we handle the rest! You have a limited window of time to file a claim after a storm. Allow us to take action before it expires.
  • What hail storm?
    If you received literature from us, your neighborhood has been declared a hail strike zone. The hail stones measured greater than .75" in diameter. This classifies the storm as "extreme", per the National Weather Service. Even a brief storm that you may have not been home to witness can cause significant cosmetic damages, not always visible from the ground.
  • How much do I have to pay for your services?
    Nothing. Our clients have zero out of pocket expenses for our services. You will never receive a bill from us, or request for payment.
  • Why does using a public adjuster return settlements so much higher than if I filed a claim alone?
    Because "The financial interests of insurance companies are best served by convincing policy holders to accept the lowest compensation possible" (Forbes, 2023) Hiring us to intervene forces insurance companies to be fully accountable. Lobb, Jennifer (April 2023) What is a Public Adjuster And Should You Hire One
  • How do I get started?
    To begin the process, simply call: 1-833-4US-HAIL to schedule an appointment for a free assessment. Or you can make an appointment on line by visiting our Schedule tab. If you have additional questions or concerns that we have not addressed, please click the "Ask More" tab above so that we can connect in the manner most convenient for you.
  • If your services are free, how do you get paid?
    Public adjusters are paid by the insurance company. When we receive your settlement, our fee is deducted from the claim proceeds. If we don't get you a settlement, we don't get paid.
  • How long does it take to receive a settlement check?
    In most cases, the entire process takes about 4-6 weeks. If there are delays due to longer negotiations, we will make you aware.
bottom of page