Why You Need a Public Adjuster
Filing an insurance claim in Georgia can be overwhelming. A public adjuster works exclusively for you not the insurance company to make sure you get the settlement you deserve.
Benifits Of Hiring A Public Adjuster
747%
Higher payouts on average vs. no representation
100%
On YOUR side, not the insurance company's
$0
Upfront cost -- paid only when you get paid
Maximize Your Settlement
Insurance companies have their own adjusters whose goal is to minimize what they pay out. A public adjuster documents every detail of your damage and fights to get you the full amount your policy entitles you to. Studies show homeowners who use public adjusters receive significantly higher settlements.
No Upfront Cost
Public adjusters work on a contingency basis. You pay nothing unless they successfully recover money on your claim. Their fee is a small percentage of the settlement, and the increase in your payout typically far exceeds their fee.
Level the Playing Field
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Expert Damage Documentation
Public adjusters are licensed professionals trained to identify damage that homeowners and even insurance company adjusters often miss. From hidden water damage behind walls to structural issues not visible from the ground, a thorough inspection means nothing gets left out of your claim.
Save Time and Reduce Stress
Filing a claim involves mountains of paperwork, phone calls, inspections, and negotiations. A public adjuster handles all of this for you so you can focus on your family and getting your life back to normal. They know the process inside and out.
Policy Expertise
Insurance policies are complex legal documents filled with exclusions, conditions, and fine print. Public adjusters understand the language and know exactly what your policy covers. They make sure the insurance company honors every provision you're entitled to.
Benifits Of Hiring A Public Adjuster
747%
Higher payouts on average vs. no representation
100%
On YOUR side, not the insurance company's
$0
Upfront cost -- paid only when you get paid
Maximize Your Settlement
Insurance companies have their own adjusters whose goal is to minimize what they pay out. A public adjuster documents every detail of your damage and fights to get you the full amount your policy entitles you to. Studies show homeowners who use public adjusters receive significantly higher settlements.
No Upfront Cost
Public adjusters work on a contingency basis. You pay nothing unless they successfully recover money on your claim. Their fee is a small percentage of the settlement, and the increase in your payout typically far exceeds their fee.
Level the Playing Field
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Expert Damage Documentation
Public adjusters are licensed professionals trained to identify damage that homeowners and even insurance company adjusters often miss. From hidden water damage behind walls to structural issues not visible from the ground, a thorough inspection means nothing gets left out of your claim.
Save Time and Reduce Stress
Filing a claim involves mountains of paperwork, phone calls, inspections, and negotiations. A public adjuster handles all of this for you so you can focus on your family and getting your life back to normal. They know the process inside and out.
Policy Expertise
Insurance policies are complex legal documents filled with exclusions, conditions, and fine print. Public adjusters understand the language and know exactly what your policy covers. They make sure the insurance company honors every provision you're entitled to.
How the Process Works
Free Property Inspection
Insurance companies have their own adjusters whose goal is to minimize what they pay out. A public adjuster documents every detail of your damage and fights to get you the full amount your policy entitles you to. Studies show homeowners who use public adjusters receive significantly higher settlements.
Claim Filing and Documentation
Public adjusters work on a contingency basis. You pay nothing unless they successfully recover money on your claim. Their fee is a small percentage of the settlement, and the increase in your payout typically far exceeds their fee.
Meet with Insurance Adjuster
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Negotiate Your Settlement
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Get Paid and Get Restored
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
How the Process Works
Free Property Inspection
Insurance companies have their own adjusters whose goal is to minimize what they pay out. A public adjuster documents every detail of your damage and fights to get you the full amount your policy entitles you to. Studies show homeowners who use public adjusters receive significantly higher settlements.
Claim Filing and Documentation
Public adjusters work on a contingency basis. You pay nothing unless they successfully recover money on your claim. Their fee is a small percentage of the settlement, and the increase in your payout typically far exceeds their fee.
Meet with Insurance Adjuster
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Negotiate Your Settlement
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Get Paid and Get Restored
Insurance companies have teams of adjusters, lawyers, and experts working to protect their bottom line. Without professional representation, you're at a significant disadvantage. A public adjuster evens the odds and ensures you have someone fighting for your interests.
Georgia Insurance Claim Facts
Your Rights as a Georgia Homeowner
▪Right to Representation: Georgia law gives you the right to hire a public adjuster to represent your interests in any insurance claim.
▪Licensed Professionals: Public adjusters in Georgia must be licensed by the Georgia Department of Insurance, ensuring they meet professional standards and ethical requirements.
▪Prompt Payment Laws: Georgia's Prompt Pay Act (O.C.G.A. 33-4-6) requires insurance companies to pay claims within specific timeframes or face penalties. A public adjuster ensures these deadlines are enforced.
▪Bad Faith Protection: If an insurance company unreasonably denies or underpays your claim, Georgia law allows you to recover penalties plus attorney fees. A public adjuster helps document bad faith practices.
▪Appraisal Rights: If you disagree with the insurance company's valuation, Georgia policies typically include an appraisal clause. A public adjuster can guide you through this process to get a fair independent assessment.
Common Claim Types in Georgia
▪Hail and Wind Damage: Georgia experiences severe storms, especially from spring through fall. Hail can damage roofing shingles, siding, and gutters in ways that aren't always obvious from the ground.
▪Tornado Damage: Georgia ranks in the top 10 states for tornado activity. The damage from even an EF-1 tornado can be devastating and complex to document.
▪Water Damage: Heavy rains and aging roofs can lead to leaks that cause hidden damage to insulation, drywall, and structural components.
▪Fire and Smoke Damage: Whether from wildfires or house fires, smoke and fire damage requires thorough documentation to capture the full scope of loss.
▪Fallen Trees: Georgia's dense tree coverage means storm-felled trees are a leading cause of property damage claims.
Georgia Insurance Claim Facts
Your Rights as a Georgia Homeowner
▪Right to Representation: Georgia law gives you the right to hire a public adjuster to represent your interests in any insurance claim.
▪Licensed Professionals: Public adjusters in Georgia must be licensed by the Georgia Department of Insurance, ensuring they meet professional standards and ethical requirements.
▪Prompt Payment Laws: Georgia's Prompt Pay Act (O.C.G.A. 33-4-6) requires insurance companies to pay claims within specific timeframes or face penalties. A public adjuster ensures these deadlines are enforced.
▪Bad Faith Protection: If an insurance company unreasonably denies or underpays your claim, Georgia law allows you to recover penalties plus attorney fees. A public adjuster helps document bad faith practices.
▪Appraisal Rights: If you disagree with the insurance company's valuation, Georgia policies typically include an appraisal clause. A public adjuster can guide you through this process to get a fair independent assessment.
Common Claim Types in Georgia
▪Hail and Wind Damage: Georgia experiences severe storms, especially from spring through fall. Hail can damage roofing shingles, siding, and gutters in ways that aren't always obvious from the ground.
▪Tornado Damage: Georgia ranks in the top 10 states for tornado activity. The damage from even an EF-1 tornado can be devastating and complex to document.
▪Water Damage: Heavy rains and aging roofs can lead to leaks that cause hidden damage to insulation, drywall, and structural components.
▪Fire and Smoke Damage: Whether from wildfires or house fires, smoke and fire damage requires thorough documentation to capture the full scope of loss.
▪Fallen Trees: Georgia's dense tree coverage means storm-felled trees are a leading cause of property damage claims.
With vs. Without a Public Adjuster
Apects
Without Public Adjuster
With Public Adjuster
Frequently Asked Questions
How much does a public adjuster cost?
Public adjusters work on a contingency basis, typically charging between 5-15% of the claim settlement. You pay nothing upfront, and their fee only applies when you receive a payout. Most homeowners find that the increased settlement far outweighs the fee.
Can I hire a public adjuster after I've already filed a claim?
Yes! You can hire a public adjuster at any point during the claims process. Many homeowners bring in a public adjuster after receiving a low initial offer from their insurance company. It's never too late to get professional help with your claim.
Is a public adjuster the same as the insurance company's adjuster?
No. The insurance company's adjuster works for the insurer and their goal is to minimize what the company pays out. A public adjuster is an independent professional licensed by the state who works exclusively for you, the policyholder. They are legally obligated to act in your best interest.
Will my insurance company drop me if I hire a public adjuster?
No. It is illegal for an insurance company to cancel your policy or retaliate against you for hiring a public adjuster. Your right to professional representation is protected by Georgia law.
What types of claims can a public adjuster help with?
Public adjusters can assist with virtually any property insurance claim, including storm damage (hail, wind, tornado), water damage, fire and smoke damage, fallen trees, vandalism, and more. If your property has been damaged and you have an insurance policy, a public adjuster can help.
How long does the claims process take with a public adjuster?
While every claim is different, having a public adjuster typically speeds up the process because they know how to document damage properly from the start and navigate the system efficiently. Most claims are settled within 30-90 days, depending on complexity.
Frequently Asked Questions
How much does a public adjuster cost?
Public adjusters work on a contingency basis, typically charging between 5-15% of the claim settlement. You pay nothing upfront, and their fee only applies when you receive a payout. Most homeowners find that the increased settlement far outweighs the fee.
Can I hire a public adjuster after I've already filed a claim?
Yes! You can hire a public adjuster at any point during the claims process. Many homeowners bring in a public adjuster after receiving a low initial offer from their insurance company. It's never too late to get professional help with your claim.
Is a public adjuster the same as the insurance company's adjuster?
No. The insurance company's adjuster works for the insurer and their goal is to minimize what the company pays out. A public adjuster is an independent professional licensed by the state who works exclusively for you, the policyholder. They are legally obligated to act in your best interest.
Will my insurance company drop me if I hire a public adjuster?
No. It is illegal for an insurance company to cancel your policy or retaliate against you for hiring a public adjuster. Your right to professional representation is protected by Georgia law.
What types of claims can a public adjuster help with?
Public adjusters can assist with virtually any property insurance claim, including storm damage (hail, wind, tornado), water damage, fire and smoke damage, fallen trees, vandalism, and more. If your property has been damaged and you have an insurance policy, a public adjuster can help.
How long does the claims process take with a public adjuster?
While every claim is different, having a public adjuster typically speeds up the process because they know how to document damage properly from the start and navigate the system efficiently. Most claims are settled within 30-90 days, depending on complexity.
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What sets us apart is our dedication to the homeowner’s bottom line, especially when it involves storm damage or unexpected repairs. We work in tandem with licensed public adjusters to maximize your results and aggressively battle insurance claims on your behalf.
Whether you are in McDonough, Griffin, or LaGrange, our mission is to ensure you receive a fair settlement and a home that is built to last. From routine gutter cleaning to full-scale exterior renovations, we are the advocates you can trust to get the job done right.
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What sets us apart is our dedication to the homeowner’s bottom line, especially when it involves storm damage or unexpected repairs. We work in tandem with licensed public adjusters to maximize your results and aggressively battle insurance claims on your behalf.
