Clear answers for complicated insurance claims.

A public adjuster is licensed to represent the policyholder in a property insurance claim. The public adjuster reviews the policy and claim, documents damage, helps prepare estimates and supporting information, communicates with the carrier and advocates for a properly evaluated loss.

Consider a review when a loss is complex, the damage is extensive, the carrier estimate appears incomplete, the claim has been denied or underpaid, or you feel overwhelmed by documentation and deadlines. Early involvement can help organize the file, but existing claims can also be reviewed.

Sometimes. The policy language, denial letter, cause-of-loss evidence, professional reports, deadlines and prior communications must be reviewed. A denial is not automatically wrong, and reconsideration is never guaranteed, but new or clarified evidence may support further review.

The estimates should be compared line by line. Differences may involve quantities, material quality, labor, access, code requirements, overhead and profit, or areas of damage. A higher contractor estimate is not automatically owed; the differences need clear documentation.

ALE coverage may reimburse the reasonable increase in living costs when a covered loss makes the residence uninhabitable, subject to policy terms and limits. Documentation may include lodging, increased food costs, pet boarding, laundry and other qualifying expenses.

Some replacement-cost policies initially withhold depreciation and allow it to be recovered after repair or replacement requirements are met. Deadlines and proof requirements vary by policy, so review the carrier letter and policy promptly.

No. No ethical public adjuster can guarantee coverage, payment or a particular outcome. Hart Public Adjusting reviews each claim based on its policy, facts and available evidence.

Bring the policy if available, claim number, carrier estimates, payment or denial letters, photographs, mitigation documents, plumber or contractor reports, repair estimates, contents inventories and a list of unresolved concerns.