Straight answers to the questions Georgia homeowners ask us most often.
A public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — in preparing, presenting, and negotiating a first-party property insurance claim. We document damage, interpret your policy, prepare a detailed estimate, and negotiate the settlement with your insurer.
For most non-trivial property claims, yes. Independent studies have repeatedly shown that claims handled by public adjusters result in significantly higher settlements than those handled by the homeowner alone. We will tell you honestly during the free consultation if we don't think the math works in your favor.
We work on a contingency basis. Our fee is a small percentage of the insurance proceeds we actually recover for you. If we don't recover, you owe nothing. The exact percentage is disclosed and signed in writing before we begin any work, and is well within the limits established by Georgia regulators.
Your right to hire a public adjuster is established by state law. Insurers expect to deal with public adjusters routinely and are required to do so professionally. We focus on facts, documentation, and policy language — the conversation stays civil.
Often, yes. Many of our largest recoveries are reopens of claims that were initially denied or significantly underpaid. We'll review the denial letter and your policy at no cost and tell you whether there's a viable path to reopen.
Yes — small commercial property claims for landlords, restaurants, retail shops, and offices, including business-interruption coverage where applicable. We do not currently handle very large industrial losses.
Typically within 24–48 hours throughout our core service area. After a major regional storm event response times can stretch slightly — but we will always give you an honest ETA up front.
Our office hours are Monday through Friday, 8 AM to 6 PM EST. Emergency calls are answered seven days a week, and we will dispatch for true emergencies — for example an active water loss — on the same day.
Once we are engaged, the carrier should route all communication through us. You will still receive copies of every important document and any settlement check is issued in your name.
Yes. Your policy, photos, and personal details are stored securely and used solely to handle your claim. We do not sell or share your information with any third party. See our Privacy Policy for the full detail.
Call or email us — we read every message personally.
Get a free, no-obligation policy review from a licensed public adjuster who works for you — not the insurance company.
