How It Works
Simple. Transparent.
Built Around You.
From your first call to your final settlement check, here is exactly what happens when you work with Best Public Adjusters LLC — and what we do at every step to maximize what you recover.
Free Claim Review
"No cost. No obligation. Just answers."
The process starts with a free, no-obligation review of your claim and your policy. We listen to what happened, review your coverage, and give you an honest assessment of what you are owed. Most clients are shocked to learn how much their insurer has left on the table.
What Happens at This Step
- We review your insurance policy in full
- You walk us through the damage and what happened
- We identify coverage provisions your insurer may have overlooked
- We give you a clear picture of your claim potential
- You decide whether to move forward — zero pressure
Thorough Damage Inspection
"We find what the insurance adjuster missed."
Insurance company adjusters spend an average of 20 minutes on a property and miss a significant portion of the damage. Our team conducts a comprehensive, professional inspection — documenting every affected area with photos, measurements, moisture readings, and expert analysis.
What Happens at This Step
- Full interior and exterior property inspection
- Professional photography and video documentation
- Moisture mapping and thermal imaging where applicable
- Structural damage assessment and scope of loss
- Contents inventory and valuation
- Review of any prior adjuster reports for errors and omissions
Claim Preparation & Filing
"A bulletproof claim file insurers cannot dispute."
We prepare a comprehensive claim package using industry-standard estimating software (Xactimate) and detailed supporting documentation. Every line item is backed by evidence. We file the claim on your behalf and handle all required paperwork and deadlines.
What Happens at This Step
- Detailed repair estimate using Xactimate software
- Contents claim with replacement cost values
- Additional living expense (ALE) documentation
- Proof of loss preparation and filing
- All required forms and policy compliance documentation
- Timely filing to meet all policy deadlines
Negotiation with Your Insurer
"We handle every conversation so you do not have to."
Once the claim is filed, we take over all communication with your insurance company. We respond to requests, push back on lowball offers, and escalate when necessary. You are kept informed at every step — but you never have to deal with the insurer directly.
What Happens at This Step
- All insurer communication handled by our team
- Response to requests for additional information
- Counter-offers backed by our documentation
- Escalation to supervisors and management when needed
- Appraisal or mediation representation if required
- Regular status updates to you throughout the process
Maximum Settlement
"You get paid. Then we get paid."
When we reach a settlement that reflects the true value of your claim, you receive your payment. Our fee is a percentage of the total settlement we recover — meaning we only get paid when you do, and the more we recover, the better for both of us.
What Happens at This Step
- Settlement agreement reviewed and finalized
- Payment issued directly to you from your insurer
- Our fee deducted as agreed — no surprises
- Final documentation provided for your records
- Ongoing support if any supplemental claims arise
Common Questions
Frequently Asked Questions
How long does the claims process take?
Most claims are resolved within 4–12 weeks, depending on the complexity of the damage and how cooperative your insurer is. We push hard to move things forward as quickly as possible.
What does it cost to hire you?
Nothing upfront. We work on a contingency basis — a percentage of the settlement we recover for you. If we do not increase your settlement, you owe us nothing.
Can you help if my claim has already been denied?
Yes. Denied claims are one of our specialties. We review the denial, identify the grounds for appeal, and build the case to get your claim reopened and paid.
Can you help if I already accepted a settlement?
In many cases, yes. Depending on your policy and state law, there may be options to reopen or supplement a closed claim. Contact us for a free review.
Do I have to be present during the inspection?
We prefer you to be present so we can walk through everything together, but it is not required. We can coordinate access with your contractor or property manager.
Will hiring a public adjuster make my insurer cancel my policy?
No. You have a legal right to hire a public adjuster. Insurance companies cannot cancel your policy simply because you chose professional representation for your claim.
Ready to Start Step One?
Your free claim review costs nothing and takes less than an hour. Find out what you are really owed.