Public adjusters are dedicated professionals who advocate for policyholders and help negotiate with insurance companies over a claimant’s benefits. As a team of state-licensed public adjusters, HCH can legally represent the rights of the insured during any insurance claims process. The goal of a public adjuster is to ensure the policyholder and the insurance company reach a final and fair settlement — we work for you, not your insurance company.

Claims appraisers, also known as loss consultants, represent policyholders and carriers who wish to invoke the Appraisal Clause of their insurance policy. A claims appraiser understands the value of property and damage costs, thus providing an accurate picture of the exact amount needed from your insurance to restore your property to pre-loss condition. If your insurance claim was denied, delayed, or underpaid, let HCH’s claims appraisers assist.

Your first consultation with HCH is always free and includes a policy review, virtual property inspection, and claim evaluation.

After your free consultation, we charge a range of 10-20% of the recovery money (excluding depreciation), depending on the type of claim, its complexity, and the stage of the process our public adjuster gets involved in.

However, if we can’t help you claim your recovery funds, you won’t have to pay for our services. Our policy has always been: No recovery, no fee!

Anyone! Anytime you need to file a damage or theft claim for your home or property, you can count on a public adjuster or claims appraiser. Public adjusters and appraisers assist those whose claims were denied or, underpaid, and resolve the issues that arise from these disputes.

Your insurance claims process starts with our PA working with you to understand what happened, ensure your claims have coverage, and gather documentation. Then we submit your claims to the insurance company.

• Assess Damage – While the first step is over and claims are reported, our PA will conclude the inspection and document all the damages. This step is the foundation for our negotiations with the insurance company to get you the settlement you deserve. We will spend the time it takes to comprehensively evaluate your property to prepare an estimate of the amount necessary to repair all of the damage.
• Negotiate – We are trained in the science and art of effective negotiation. The insurance company may insist that you comply with “post-loss obligations” under the policy and require various things from you. We lead you through all the details, establishing your claims and protecting your rights. At this stage, we bring together all the facts to negotiate with the insurance company’s handling/desk adjusters to get the money you deserve.
• Demand Payment – We will use our estimate of the damage and other items that may be allowed under the terms of your policy and our experience to prepare a demand package for the insurance company. We let them know the amount that you should be paid. If you go through the claims process alone, here’s where you’re likely to get more push-back from the insurance company and become a victim of deny-delay-defend practices or be offered a lowball settlement.

Roof damage, wind and hail damage, hurricane damage, mold, theft, fire damage, and lightning are all common claims that HCH can service. Simply put – for anything causing accidental property damage, HCH has the claims specialists and expert witnesses you need to assist in building your claim. Learn more by visiting our Property Damage Claims page.