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What Is A Public Adjuster?

Globe Midwest Works For You, Not The Insurance Company.

A Globe Midwest public adjuster is a licensed insurance professional who works only for you, the policyholder, when you need to file a property damage claim for your business or commercial property.

A natural or man-made disaster suddenly strikes your business, interrupting your operations indefinitely. How quickly can you recover and keep your customers? Will your commercial property 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. So who is putting you first and looking out for your business?

That’s where we come in.

Our public adjusters represent you, not the insurance company. We have the special training and expertise to interpret the intricacies of your commercial insurance policy and to evaluate and document the full scope of your property damage and business interruption losses. We then negotiate a claim settlement on your behalf to maximize and expedite your financial recovery.

We help commercial policyholders in Michigan, Wisconsin, Indiana, Illinois, Minnesota, and across the Midwest recover from fire damage, frozen pipes, hail, tornado, and water damage, Midwest ice storm damage, business interruption, and more. For over ninety-years, we’ve helped thousands of businesses financially reclaim their commercial property losses from Detroit to Chicago and even as far north as Wisconsin’s Green Bay area.

Don’t leave your insurance claim and the state of your business to chance. Our Globe Midwest public adjusters help you get more, sooner.

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

If you're dealing with tax matters, you would consult with an accountant. If you're dealing with legal matters, you would consult with an attorney. If you're dealing with commercial property damage, a licensed public insurance adjuster will be working only for you to maximize your 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?

By bringing in Globe Midwest public adjusters, you gain an unmatched team of highly experienced insurance professionals who help you take control of your commercial claim. We understand how confusing, stressful, and distracting this can be for you, and that your focus has to be on your customers and employees. That’s why we manage every step of the process. We become fluent in your policy and help you understand it. We accurately document your damage and projected losses. We work with you to develop a claim strategy based on your coverage that will help your business grow. We save you time, lower your stress, and negotiate the best possible settlement.

Globe Midwest 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.

Globe Midwest 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 — Globe Midwest public adjusters are the only people whose aims align with yours. By enlisting our professionals to work on your behalf, you are gaining peace of mind knowing that an advocate is on your side expertly managing your commercial claim to get you the best possible settlement. We benefit only if our clients benefit, and are paid based on a small percentage of the total settlement. In the vast majority of cases, the value added to a client’s claim settlement 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:
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