What Is a Public Insurance Claims Adjuster? - Five Star Claims Adjusting

What Is a Public Insurance Claims Adjuster?

Homeowners-insurance

An insurance claims adjuster represents the insurance policy holder through the process of an insurance claim. As a policyholder, you may think that when damage occurs at your commercial or residential property, you simply call the insurance company and they mail you out a check. After all, you pay your premiums every month in exchange for this coverage. But the average insurance policy is loaded with exclusions, exceptions and stipulations that favor the insurance company, not the policy holder. During the claims process, many insurance companies will attempt to see if one of these exclusions will exempt them from paying your claim, or if they can pay you less than your claim is worth.

A claims adjuster helps you navigate the process of filing a claim, providing the supplemental documentation the insurance company requests, dealing with repair professionals and negotiating with the insurer during mediation. Using their knowledge of the laws governing insurers and experience in the industry, the adjuster makes sure that you get exactly what you are entitled to from the insurance company.

When Should You Call A Claims Adjuster?

Any damage in the home can be a good cause for an insurance claim. Contrary to popular belief, there does not have to be catastrophic damage to warrant an insurance claim. Even small necessary repairs can end up being involved and costly. Some of the smaller issues that are typically covered by insurance include:

  • Water damage
  • Mold
  • Fire damage
  • Flood damage
  • Roof damage or leaks
  • Pipe or appliance leak damage
  • Sewage backup or other plumbing related damage
  • Natural disaster damage, such as hail, wind or lightning damage


If damage has occurred at your residence or business, calling Five Star Claims Adjusting before the insurance company is a prudent first step. Our adjuster can provide you with the best help if he or she is involved in the process from the very beginning.

How Expensive is A Claims Adjuster?

Five Star Claims Adjusters work on a contingency basis, meaning that they do not get paid anything unless they help you recover money for your claim. If they are successful in helping you negotiate your claim, the money they are paid comes from the amount recovered and is typically a percentage.

Just like hiring a lawyer to help you win a case in court, having an adjuster on your side helps you have a greater chance of success in your claim. Studies have shown that claims filed by policyholders working with a public adjuster typically lead to a higher average payout in the end.

What Should I Expect When I Call a Claims Adjuster?

When you first contact a claims adjuster from Five Star Claims Adjusting, we will perform an inspection or claim review to get the full information on your loss. If you haven’t yet filed a claim, he or she will walk you through this process and help you gather the supporting documents you’ll need. If your claim has already been opened, he or she will start communicating with the insurance company to find out what progress has been made.

If you’ve recently suffered some property damage and think you have grounds for an insurance claim, contact us to get expert help and increase your chances of a successful claim.