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What Is A Public Adjuster?

We Work For You, Not The Insurance Company.

A Globe Midwest public adjuster is an insurance professional who works only for you, the policyholder, when your home is damaged and you need to file a claim that will get you the best possible settlement.

Your home is valuable, both personally and financially. But what happens when a natural or man-made disaster unexpectedly strikes your property and disrupts your life? Will your insurance policy cover it? Will the insurance company accurately assess the damages and offer you a fair settlement? Will the process and your settlement be handled urgently to get you and your family back to normal as soon as possible? How will you know?

Our licensed public adjusters will guide you every step of the way.

We are insurance professionals working for you, not the insurance company. As they look out for their own interests, we look out for yours. We interpret the intricacies of your policy, evaluate and document the full scope of your property damage, and negotiate a claim on your behalf to maximize and expedite your financial recovery. Throughout this process, we make sure you receive all that you are entitled to under your policy so that you and your family can get back to your lives sooner.

For over ninety years, our team has helped homeowners and families throughout the Midwest — in Wisconsin, Michigan, Illinois, Minnesota, Indiana, and more  — after house fires, Midwest ice storms, tornadoes, thunderstorms, flood damage, and other disasters. For us, it’s not just business. With lives and families involved, it’s our purpose to help make sure you are protected now and into the future.

Don’t tackle complicated homeowners insurance claims alone. Contact us today.

What Is A Public Adjuster? Thumbnail Image
What Is A Public Adjuster?
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 A PUBLIC ADJUSTER IS ESSENTIAL

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?

Your home is damaged from a disaster and places your family in a state of risk or uncertainty. It’s time for your insurance company to step in. You have paid your premiums and you expect that you will be given what you are owed from your insurance policy. But to your carrier, it is your responsibility to prove your loss. How then can you be sure your damage and loss are fully documented, proven, and defended to maximize your financial recovery?

This may be your first and only time filing a homeowners claim. Meanwhile, your insurance company has a whole team of experts whose full-time job is to assess property damage claims to protect their interests. Is it an even match? Who’s looking out for you?

By hiring Globe Midwest public adjusters, you are gaining an unmatched team of insurance professionals with over ninety years of experience and success in getting homeowners more, sooner. We do this by helping you take control of your claim instead of reacting to your insurance company. We become fluent in your property insurance coverage and options and help you understand them. We document the full scope of your damage in the finest detail and prepare and present your claim. We are fine-tuned to the insurance industry and possible roadblocks that may be presented during this process. We help you avoid them to make your financial recovery quicker.

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 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?

There are a lot of parties involved in your homeowner disaster recovery — your carrier, its adjusters, their recommended vendors — and their interests vary. Our public adjusters are the only people whose interests align with yours. When you hire Globe Midwest public adjusters to work on your behalf, you invest in a process that ensures you get the best possible settlement. We win only when our clients win, and are paid based on a small percentage of the total settlement. In nearly all cases, the value added to a client’s claim settlement by our public adjusting services far exceeds any 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 home. 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. A rushed and uninformed selection may cost you immeasurably in your 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 homeowner property claim, we can help!
Call us at 800.445.1554 or fill out the form below:
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