From Filing to Full Payout: Real Stories of Homeowners Who Won Big with a Public Adjuster

Public adjusters often help homeowners get far more from their insurance claims than they would have alone. Here are some real stories that show the value a public adjuster can bring to the table.

Story 1 – The Roof Replacement After a Hurricane

A Florida homeowner filed a claim after a hurricane damaged their roof. The insurance company offered only a partial settlement, citing “wear and tear” exclusions. After bringing in a public adjuster, they documented the full extent of the storm damage, resulting in a payout that covered a full roof replacement. This homeowner received triple the initial offer, all thanks to their public adjuster’s expertise.

Story 2 – The Colorado Wildfire Claim

A Colorado resident lost parts of their property in a wildfire. Initially, the insurer denied parts of their claim due to “insufficient evidence.” With the help of a public adjuster, they compiled extensive evidence of damages, leading to a successful appeal and full coverage for rebuilding costs. Without a public adjuster, they would have shouldered tens of thousands of dollars in out-of-pocket repairs.

Story 3 – Hidden Water Damage After a Storm

A homeowner discovered water damage to their walls months after a severe storm. When they tried to file a claim, their insurer argued it wasn’t storm-related. A public adjuster identified and documented the damage’s storm-related cause, leading to a payout that covered full repairs, preventing long-term structural issues.

Story 4 – Overlooked Interior Damage

A homeowner accepted an initial low offer after a hurricane because the insurance adjuster overlooked interior damages. With a public adjuster’s help, they reopened the claim, showing that interior repairs were also necessary. This advocacy doubled their payout and ensured their home was fully restored.

Why Public Adjusters Make a Difference

Each of these stories shows how public adjusters secure better outcomes by understanding insurance policies, gathering comprehensive evidence, and pushing back when insurers undervalue claims. Having a public adjuster can make all the difference in achieving a fair payout.