All American Public Adjusters is based out of the greater Houston area, however works throughout the entire state of Texas and is also licensed in Oklahoma, Utah, and Ohio.
Why Homeowners Need a Public Adjuster
Let’s face it, going through an insurance claim process can be an overwhelming ordeal. Unless you are a trained insurance claims professional, navigating through the multitude of coverage forms, endorsements and complex verbiage of an insurance contract places you in a clear disadvantage in your claim negotiations. By hiring an experienced public adjuster, you level the field in the claim process. Your public adjuster will guide you through the claim process, a maze of fine print within an insurance contract and keep you informed with any responsibilities that are required by you to maintain compliance with your insurance contract.
Insurance companies hire a team of experts to evaluate, investigate, and either pay for the loss or deny your claim. This team of “hired guns” which consists of adjusters, examiners, and appraisers do not have your best interest at heart. They are hired by the insurance carrier and their allegiance is to the insurance carrier, not you.
A public adjuster works for you not the insurance company.
Transparent Claims Process
Our promise to you is that if we do not think our contribution to your claim will make a difference in the outcome, we will disclose our beliefs prior to signing a contract, however; we never charge for our first claim consultation.
On the other hand, some homeowners do not have the time or resources essential to precisely document every aspect of their insurance claim loss. Presenting an intricate insurance claim to your insurance carrier, requires a complete and comprehensive understanding of the claim process. Our many years of claim experience will be available to you as we work together toward your claim resolution and presentation to your insurance company.
Can’t I Do This On My Own?
According to Bloomberg, “Insurers often pay 30-60% of the cost of rebuilding a damaged home (or business)”. Only a Public Adjuster can represent you in an insurance claim. The Texas Department of Insurance strictly prohibits roofers and contractors from representing homeowners in their insurance claim.
By hiring a public adjuster first, we diagnose the cause of loss properly, ensure the proper mitigation companies are in place specific to your loss, get it right the first time, and expedite the entire claims process on your behalf.
By hiring a public adjuster after you’ve been under paid, a public adjuster can charge a higher fee for his services?
Your assigned loss consultant/advocate will assist in the following areas of your denied homeowner insurance claim:
Completing a through coverage analysis with your Homeowner’s Policy to launch the best possible approach for presenting your claim to the insurance company
Accurately developing a complete damage record to support every aspect of your insurance claim
Keeping you advised of your responsibilities in mitigating your damages, protecting your property and any time restrictions that may be come into play with your claim
Advocating on your behalf with your insurance carrier for the best possible outcome for your insurance claim
Keeping you updated and informed throughout the entire claim process
Development of a claim strategy through a “hands-on” approach to maximize your claim recovery
Develop a detailed claim presentation and file the report with your insurance company
Stand firm with conviction as your claim advocate in all inspections with the insurance company adjuster or their selected consultants
Constantly striving to expedite the best settlement possible which promotes your peace of mind during the claim process.
