What a Public Adjuster Can Do for Your Insurance Claim
If you live anywhere in Canada, you are probably familiar with the
ever more common ice and snow storms that are happening every winter. Last
march, hundreds of thousands of Canadians suffered from power outages during an
ice storm that affected Ottawa, parts of Quebec, and Ontario (including New
Brunswick).
However, a power outage was the best case scenario during the
storm. Some people were more unfortunate than others and suffered from burst
pipes, downed trees crushing their houses or streets or worse.
People called their insurance companies to assess the damages and
get the solutions they needed. However, as so many people were victims of
this type of disaster, it strains insurances' margins, which pushes them to
assign smaller payouts or in the worst case, deny them all together.
It’s understandable if reading this makes you a little anxious.
You might wonder, “What if this happens to me?” Or worse, “What can I do if my
insurance claim is denied?”
The good news? You’re not alone—and not out of options. That’s
where public insurance adjusters come in.
What
Is a Private (Insurance Company) Adjuster?
When
you file a claim with your insurer (for example, a vandalism insurance claim,
flood insurance claim, or windstorm claim) they send out a private or
“independent” adjuster. But here’s the catch: they work for the insurance
company.
What Is a Public Adjuster?
A
licensed public adjuster, on the other hand, works for you. They’re your
advocate, not your insurer’s. Their job is to evaluate your damages, prepare
your case, and negotiate to maximize your payout.
What’s the
Role of a Public Adjuster?
Now that we have told you about the two types of adjusters, let us
tell you exactly what a public adjusting firm does. As we mentioned, public
adjusters’ purpose is to be your ally during a difficult time when you have to
file (and fight) a claim.
How Does a
Public Adjusting Firm Work?
In short, the process of working a public adjuster is the
following:
- Initial
Evaluation: A licensed public adjuster reviews your case. At ClearClaim,
we offer this consultation for free.
- Strategic
Planning: Licensed public adjusters explain your best options, based on
policy details and claim circumstances.
- Claim
Rebuild: Whether it's overturning a denied claim or challenging a low
payout, a good public adjuster creates a detailed strategy and
documentation.
- Negotiation
& Resolution: They represent you to your insurance company, ensuring
your claim stands up to scrutiny and gets you the maximum settlement.
For example, after a major ice storm, you may call a storm damage
public adjuster. We’ll assess the damage, gather evidence, and build a claim
that’s impossible to ignore.
What Are the
Main Benefits of Hiring a Public Adjuster?
A public adjuster’s role extends well
beyond simply helping restores your property. At ClearClaim, we believe our job
is also to help you reclaim stability, security, and peace of mind during one
of the most stressful times of your life.
Here are three reasons you should hire a public adjuster:
- Maximized Settlements: Public adjusters are
trained to spot undervalued damage, hidden losses, and overlooked policy
coverage. We catch hidden damage and underpaid claims that insurers
miss—ensuring you get every dollar you're entitled to.
- Time and Stress Savings: Navigating the claim
process can quickly become overwhelming. We handle the paperwork,
follow-ups, and pushback—so you can focus on getting your life back.
- Expert Advocacy When You Need
It Most: Insurance companies have their own
adjusters. Insurance companies have professional adjusters. Now, so do
you. We even the playing field and fight for what’s fair.
Ready to Take Control of
Your Claim?
If you're facing damage and don’t know where to begin, don't face
the insurance company alone.
Let Canada’s trusted public adjusting firm, guide you with
clarity, confidence, and care.
Book
your free case evaluation with ClearClaim today and discover how strong
your claim can be with a licensed public adjuster by your side.
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