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means to protecting your wealth
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Frequently Asked Questions

any homeowners suffer the complexities of interpreting the technical language of the insurance policy & the complicated proce­dures they must follow to comply with the policy's terms, so they can get paid for everything they are owed.

Most homeowners don't realize the
insurance company adjusters are cultivated to represent the interests of the insurance company that they work for. Your Homeowners Policy is carefully & purposely written by your insurance company, & adjusters often use there own interpretations of the many policy provisions, leading to denial or underpayment.

You can protect your property & your wealth by employing a public insurance adjuster whose responsibility is to serve you, the insured. Indemnification is the standard here, meaning return of your property to it's "ORIGINAL CONDITION." Most adjusters don't like to hear or honor those words, and try to underpay claims costing you money, but those words are in your policy. "Protecting your wealth is the standard." Get every dollar you are owed!  Most adjusters incorrectly interpret many of your insurance provisions, this can cost you up to tens of thousands of unpaid dollars. Public adjusters are insurance experts and testify as expert witnesses in court, and can force the adjuster and the insurance company to honor contract law, and our correct/accurate interpretation of your policy provisions.

Licensed Public Insurance Adjusters are employed for their services of insured claims due to fire, water, hail, wind, vandalism and other covered perils. The public adjuster represent claims for professional business firms, commercial properties, public & private institutions, homeowners and the general public.

What Are the Financial Benefits of Hiring a Public Adjuster?  Depending on the claim, a public adjuster can often times double, triple, and sometimes quadruple the original claim amount presented to you by your insurance adjuster. Adjusters are trained to underpay claims by not paying to return your property to it's "original condition, (when the house was built) and not pay for all the layers of damage that exist, not pay for items they know you are not aware of, and purposely choose the wrong items (lower value or cost ) on the estimating software (many choices for the same item replaced) which pays you less money than what is needed to replace it. Adjusters also pay to have things covered or painted instead of replaced, this is not indemnification. Insurance companies also like to hold all of your money and have you use only their (list of preferred companies) services to repair your house, because they get discounts when they pay their companies, but you pay the full price back to them. So, the insurance company receives a windfall when they deduct the higher charges from your claim dollars they are holding. These are just a few of the many ways (and there are many more ways) that your insurance adjuster underpays your claim, and why your public adjuster can increase your claim amount by tens of thousands.

According to a survey conducted by the State of Florida, Public Adjuster claims resulted in a 747%  higher settlements for insureds. In Pennsylvania a study concluded that Public adjuster claims resulted in a 659% increase in settlement amounts for insureds.
Call Mark McFadden, LPA
720-448-0668 or Email Mark 
Or type in your browser


How much do
you know about Public Insurance Adjusters?
Take our quiz and find out!

1.  A Public Insurance Adjuster represents the rights of whom?
a. The Insurance Company
b. The Government
c. The Insured
d. The Insurance Agent

2.  The duties of a Public Insurance Adjuster are:
a. Appraise the Damage
b. Prepare the Estimate
c. Negotiate with the Insurance Company Adjuster
d. All of the Above

3.  True or False: You will need to pay your Public Insurance Adjuster up front?
a. True
b. False

4.  True or False?  A restoration company can do the exact same thing as an Adjustment Company.
a. True
b. False

5.  True or False?  Some studies have shown that Public Adjusters can help insureds collect up to 747% more than their insurance companies were willing to settle for.
a. True
b. False

6.  True or False?  Besides attorneys and the broker of record, Public Adjusters are the only type of claims adjusters who can legally represent the rights of an insured during a property claims process.
a. True
b. False

7.  True or False?  Any time during negotiations with the insurance company and even after a settlement has been received by an insured, a Public Adjuster may be able to negotiate for a higher amount.
a. True
b. False

8.  True or False?  Public Adjusters only take care of fire loss claims.
a. True
b. False

9. Which of the following is NOT a duty of a Public Adjuster?
a. Determine Values for Settling Coverage Damages
b. Represent the Rights of the Insurance Company
c. Evaluate Business Interruption Losses
d. Prepare, Document and Support the Claim on Your Behalf

10.  When it comes to filing an insurance claim, the burden of proof is on whom?
a. You
b. The Fire Department
c. Your Insurance Agent
d. Company Insurance Adjuster

What is a licensed public insurance adjuster for?

A public insurance adjuster is a licensed authority on claim losses who you may employ to assist you in preparing, filing and compiling your insurance claims.  He is also an insurance expert in the court system.

Do they work with insurance companies?
No. They are employed by you the policyholder not by an insurance company. They represent you to the insurance company.

Can you tell me how a public insurance adjuster might help me?

A public adjuster has years of expertise in knowing recent contract law and recent legal rulings as to how specific policy provisions have been interpreted by the courts and is fully aware of all your provisions and how they impact whether you get paid additional monies as a result of these provisions. You may take advantage  of his or her expert assistance to return to your home and work life and let the public adjuster handle these time consuming un-ending headaches of providing everything and everyone needed for a successful outcome of your fire/water damage claim. A public insurance adjuster eliminates the incredibly time-consuming and difficult matters involved in preparing and fully investigating a claim, and provides you with larger and greater insurance settlement.

Is it possible for me to handle my claim, myself?
Yes, but a licensed public insurance adjuster who has the training and experience and years of handling difficult claims, can and do so get significantly better results than any policyholder. Did you know that your insurance company requires you to purchase all of your items and complete all repairs and complete construction before they will release your money? Did you know that in almost all cases, the insurance company wont send you any money, but will hold it in order to pay the restoration services/water damage and fire damage cleanup (companies on their preferred list) and the construction company they send to tear out and haul out all debris. Did you know that in 9 out of 10 claims homeowners don't have enough money to finish construction of their home, or to replace all of their lost contents?
More specifically, a public insurance adjuster will assist in the preparation of all lost content inventories, prepare accurate and complete tear out and eventual rebuild estimates and other factual proofs of loss statements  and construction estimates required by the insurance company. He or she will handle all the necessary details for compiling and filing claims, as required by contract law and by the terms of your insurance policies provisions. Your public insurance adjuster will also confer on your behalf, with the insurance company representatives and handle all matters essential to a proper and satisfactory adjustment and full payment of your claim.

Do I need help when filing an insurance claim?
The homeowners policy has many, many provi­sions and stipulations, various forms, riders, and a numerous complicated set of details regarding your requirements in case of loss. Most people cannot grasp or understand these policy provisions. Insureds never understand that the burden of proofing their damages is on them, the policyholder, that is why they are so often underpaid on their claim. All insurance adjusters would rather work with an experienced public insurance adjuster rather than an inexperienced insured who has difficulty communicating with the adjuster on difficult to understand terms, and who often becomes frustrated with the adjuster.

Why should I retain a public adjuster if I am owed the money?
Insurance companies pay what they want, as they see it. Public insurance adjusters are representatives, working for you and are insurance experts. Their knowledge allows them to command a significantly larger settlement for you.

How do they determine the amount of the loss?

Take a physical inventory, determine the layers of damage, obtain all pertinent appraisals, determine actual and real costs of replacement and construction costs, and make sure all provisions in your policy are properly fulfilled. This involves many rigorous steps of which claimants know little or nothing at all, but make a significant conclusion in the amount of the final settlement dollar amount.

How much do they charge for their services?

Your public insurance adjuster's charge is a small per­centage of the insurance company's settlement with you. Through a successful settlement, your public insurance adjuster's fees are covered at the very least and more specifically will provide you with many thousands, or even tens of thousands of dollars on your claim that you would have not seen representing yourself. The rule of thumb here is: If the public adjuster doesn't increase your claim significantly then he doesn't get paid. That is why they do! The public adjuster has to increase your claim by at least 10% or he doesn't get paid anything, that way his fee is always covered by his increase and not your money. And, you'll never get charged a penny by your public adjuster directly out of your pocket, he gets paid only through the increase of the insurance proceeds. So, get alot more money on your claim (don't leave that money behind that is yours) and have an insurance expert manufacture your claim!

What other claims do they handle?  
Public adjusters cover claims of pipe breaks, hail, windstorm, fire, explosion and any o
ther losses that are sustained. They can also assist in other income loss related expenses like rental income, business income, building improvements, reporting forms, additional living expense (ALE).

What should I do in the event of a loss?
Promptly report the loss to your agent and directly to the claims department of the insurance company and immediately retain a public insurance adjuster to manufacture your claim.

Call Mark McFadden, LPA
720-448-0668 or Email Mark
Or type in your

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