Azara Global Co. 

A public adjuster is an independent professional who works exclusively for policyholders—not the insurance company—to ensure you receive the maximum settlement possible. Unlike insurance adjusters hired by insurers, public adjusters have no divided loyalties. Their sole focus is to protect your interests, accurately assess the damage, and negotiate a fair payout on your behalf. This unbiased representation often leads to higher settlement amounts and a smoother claims process overall.

Public adjusters typically charge a fee based on a percentage of the claim or its Replacement Cost Value (RCV), generally ranging from 5% to 15%. The exact percentage depends on the complexity of the claim and the scope of work required to secure a fair settlement.

A contractor is a licensed builder who specializes in restoring your property after a loss but isn’t licensed to negotiate insurance claims or interpret policies. Conversely, a Public Adjuster is specifically licensed to handle these tasks—interpreting your policy, negotiating your claim, and securing the coverage you deserve. With this focused expertise, Public Adjusters are uniquely equipped to maximize settlements on your behalf.

An Insurance Adjuster represents the insurance company, focusing on minimizing payouts and protecting the insurer’s interests. A Public Adjuster, however, works solely for you—the policyholder—ensuring you receive a fair settlement by accurately evaluating damages, interpreting policy language, and negotiating coverage on your behalf.

It's not always too late. Many policies and state regulations allow policyholders to reopen claims under certain circumstances or within specific time limits. A Public Adjuster can review your situation, identify any missed opportunities, and help you pursue additional compensation if you’re still within the allowable window.

No. Public Adjusters can be beneficial for any size of claim, ensuring you’re fully compensated and relieving you of much of the paperwork and negotiation.

Timelines vary based on claim complexity. However, Public Adjusters often expedite the process by maintaining clear communication and thorough documentation.

No. You are not obligated to accept the initial offer. A Public Adjuster can review the estimate, highlight any missed damages, and negotiate a higher, fairer payout on your behalf.

A Public Adjuster can review the denial, gather additional evidence, and advocate on your behalf to have the claim reconsidered if grounds exist.

Many policies have provisions for Additional Living Expenses (ALE), covering temporary lodging, meals, and other costs when your home is uninhabitable. Review your policy or consult a Public Adjuster to determine the limits and duration of these benefits.

Not necessarily. Many denials can be resolved through additional documentation and negotiation. If legal action does become necessary, a Public Adjuster can guide you in finding qualified attorneys.

Prompt action is crucial. Most policies have specific timelines for appeals, so contacting a Public Adjuster or an attorney sooner rather than later is key.