Logo

What Is A Public Adjuster?

We Work For You, Not The Insurance Company.

A natural or man-made disaster suddenly strikes your business, interrupting your operations indefinitely. How quickly can you recover and keep your customers? And will your commercial insurance policy help handle it? As you focus on protecting your business, do you also have the time to become fluent in your policy and prepare a thorough property damage claim to get you everything you’re entitled to from your carrier? After all, to the insurance company, it’s now your responsibility, not theirs, to prove your loss. They will want to limit their financial exposure in this situation.

That’s where we come in.

A public adjuster is a licensed insurance professional who works only for you, the policyholder, not the insurance company. We have the special training and expertise to interpret the intricacies of your commercial insurance policy, evaluate and document the full scope of your property damage and business interruption losses, and negotiate a claim to maximize and expedite your financial recovery. We help commercial policyholders in Michigan, Indiana, Illinois, Minnesota, and throughout the Midwest recover from fire, frozen pipes, hail, tornado, and water damage, Midwest ice storm damage, and more.

Public Adjusters for Commercial & Business Owners Thumbnail Image
Public Adjusters for Commercial & Business Owners
We are your trusted advocates in every step of the insurance claim process, there to prepare and negotiate your claim to get you the optimum amount for recovery.

Why You Need A Public Adjuster

When you’ve suffered commercial property damage from a fire, severe summer or winter storm, or other disastrous event, engaging a licensed public insurance adjuster to manage your insurance claim process is the most important step you can take to maximize your property claim settlement.

Your commercial insurance policy is a complex legal contract. In it is a maze of obligations and requirements. Overlook any of the steps, and you put yourself at risk of leaving money on the table. To your insurance company, your recovery is your responsibility, not theirs. When you notify them, they will send an adjuster to protect their financial exposure from your claim. How then can you be sure you will receive every benefit from your policy and a fair amount from your claim? Much like you would consult with an accountant for complex tax matters, or an attorney for complex legal matters, a licensed public insurance adjuster is the only licensed professional who advocates exclusively for you from the time you report your loss until you receive your final settlement check.

By hiring Globe Midwest Adjusters International as your public adjusters, you are gaining a highly experienced team of insurance professionals looking out only for you and the survival of your business. Instead of reacting to your current situation, we take control of it, approaching it from a point of experience and advocacy. We become fluent in your insurance coverage and work closely with you in developing a claim strategy to efficiently manage your claim and expedite the process to get you the funds you need to recover. It’s what makes us unmatched in post-disaster financial recovery.

Our Public Adjusters Handle The Entire Claims Process
  • We fully review your insurance coverage.
  • We develop a claim strategy.
  • We determine policy compliance issues.
  • We complete detailed valuations of building, equipment, & inventory losses.
  • We formulate business interruption claims.
  • We negotiate on your behalf with your insurance company.
  • We keep you informed every step of the way.
Public Adjusters vs Insurance Adjusters
Exclusively Represent You (the policyholder).
Bottom Line
They legally represent only the rights of an insurance carrier.
Represent the policyholder to the insurance company to ensure that the claim is handled fairly, quickly, and with maximum financial restitution.
Services
Paid by insurance companies to negotiate and adjust the claim on their behalf.
Fee or commission based on a percentage of the settlement, or other method of compensation.
Fee
Paid by the insurance company they work for.
Licensed, bonded, and tested by the state to represent your interest only.
Qualifications
They are not licensed or tested by the state.

Our Public Adjusting Service FeesIsn't It Worth A Little Bit To Get A Lot More?

Of all the parties involved in your disaster recovery — your carrier, its adjusters, and their recommended vendors — our public adjusters are the only people whose interest aligns solely with yours. By hiring our professionals to work expertly on your behalf, you are investing in a process that ensures you get your settlement. We benefit only if our clients benefit in a successful claim recovery, and are paid based on a small percentage of the total settlement. In the vast majority of cases, the value added to clients’ claim settlements by our public adjusting services more than offsets the fee.
Your Claim
Claim Fee
Your AI Public Adjuster
Adjuster Fee
Your Claim Settlement
Settlement Fee
Service fees for public adjusters vary by state, but usually represent a small percentage of the settled claim.

What to ask before hiring a Public Adjuster

Public adjusters may contact you after you experience property damage to your business. It’s important to take your time and ask the right questions to determine if these adjusters are established and trustworthy professionals experienced in handling your type of claim, including business interruption claims. A rushed and uninformed selection may cost you immeasurably in your business’s recovery.
  • Q
    Is the company registered with the National Association of Public Insurance Adjusters?
    A

    NAPIA sets the professional standards for the industry and its members agree to abide by a strict code of conduct. Visit www.napia.com.

  • Q
    Do they have experience adjusting your type of claim?
    A
    Visit their website and look through their materials to see if they offer the services you are seeking.
  • Q
    Can the company provide you with industry references?
    A
    Any legitimate firm should be able to provide references and recommendation letters from a wide variety of clients. We suggest that you make a few phone calls to the references provided. Additional references are available upon request, and on our website.
  • Q
    Do they have a CPA on staff to handle business interruption claims?
    A
    This shows the depth of their staffing expertise. A CPA is an important member of the adjusting team, which is especially critical if you have a business interruption claim.
  • Q
    Do they have errors and omissions insurance?
    A
    Professional adjusters carry this insurance, which protects you in the event that the public adjuster makes an error that negatively impacts your claim.
  • Q
    How long have they been in business?
    A
    Adjusters International was founded by the best regional firms in the nation, several of which have been in business for nearly a century.
  • Q
    Is the company licensed in your state?
    A
    Check with your state insurance department, the agency responsible for licensing public adjusters in most states.
  • Q
    How extensive is their network of resources?
    A
    With over forty offices across the U.S. and Canada, Adjusters International has an unmatched network of expert resources to efficiently mobilize and be at your side right away when it matters most. We've managed and negotiated thousands of claims for nearly every type of natural and man-made disaster.

Contact Us

If you're suffering from a commercial property claim, we can help!
Call us at 800.445.1554 or fill out the form below:
( * ) indicates required field
Sorry, there was a problem with your submission.