Our Claims Process

From your first call to your final settlement, here's exactly how we handle your claim — step by step.

Initial Contact

Contact us by phone or through our online form. We'll discuss your claim, review your situation, and explain exactly how we can help.

→We review your claim type and coverage
→We explain the public adjuster process
→We outline our fee structure (contingency-based — no upfront cost)
→We answer all your questions

Policy Review

We obtain and thoroughly review your insurance policy to identify every coverage that applies to your loss — including coverages your insurer may not have mentioned.

→Full policy analysis for applicable coverages
→Identification of replacement cost vs. ACV provisions
→Code upgrade and ordinance coverage review
→Business interruption and extra expense analysis (commercial)
→Deductible and sublimit review

Damage Inspection & Documentation

We conduct a comprehensive inspection of your property, documenting every item of damage with photos, measurements, and detailed notes.

→On-site or remote inspection (depending on claim type)
→Photographic documentation of all damage
→Scope of loss preparation
→Xactimate or equivalent estimating software
→Contents inventory for personal property losses
→Expert consultation when needed (engineers, contractors)

Claim Filing or Reopening

We prepare and submit a complete, well-documented claim to your insurance company — or reopen and supplement an existing underpaid claim.

→Preparation of proof of loss documentation
→Submission of detailed damage estimate
→Reopening of underpaid or denied claims
→Supplemental claim preparation
→Coordination with your insurer's adjuster

Negotiation

We negotiate directly with your insurance company on your behalf, pushing back on low offers and ensuring every covered item is included in your settlement.

→Direct negotiation with insurance company adjusters
→Response to low-ball offers with documented justification
→Appraisal clause invocation when necessary
→Umpire process management
→Dispute resolution and mediation support

Settlement

Once we've secured the maximum settlement available under your policy, we help you understand your payment and close out your claim.

→Settlement review and explanation
→Depreciation recovery (recoverable depreciation)
→Supplemental payments for missed items
→Final claim closure documentation
→Post-settlement support if issues arise

No Upfront Cost — Ever

We work on a contingency basis. We only get paid when you get paid — a percentage of the settlement we recover for you. If we don't recover more than your insurer's original offer, you owe us nothing.

Ready to Start Your Claim?

Request a Consultation