Frequently Asked Questions (FAQ)

What is a public insurance adjuster?
Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

Why Do I Need an Adjuster? ---Elite
You have suffered a severe loss, and now you must face the difficult and time consuming task of proving your financial damages to your insurance company. How you respond within the first 48 hours is critical. You need a public adjuster to help you get the best settlement. Settling claims requires knowledge, expertise and persistence. I am professionally licensed Public Adjuster and am here to guide you through the process and protect your greatest investment, your home. Ken Weber does not charge a fee if there is no recovery

Are they connected with insurance companies?
No. They have no relationship with your insurance company. They are employed exclusively by you - the policyholder- not by an insurance company.

How can a public insurance adjuster help me?
You will have the advantage of professional support based on experience in handling numerous technical problems. Your public insurance adjuster relieves you of the many time-consuming and difficult matters involved in preparing and filing a claim - and helps you to receive a prompt and fair settlement.

What is the upfront cost?
There is no upfront cost or out of pocket expense. Our fee is based on a percentage of the settlement. This means I don’t get paid unless you get paid.

Do public insurance adjusters take care of claims other than fire?
Yes. They will assist you in any claims you may have due to windstorm, explosion, and any other insured losses that are sustained (inland marine, business interruption, rental income, improvements and betterments, loss of income, reporting forms, additional living expense, etc.).

Will hiring a Public Adjuster cause delays?
No. In most cases by using a Public Adjuster, claims often get settled quicker. I take aggressive actions to ensure that your claim is settled in a timely fashion. The earlier you contact a public adjuster, the more likely you can ensure you will meet all of your obligations under your insurance policy. Among other things, a homeowner has the responsibility to mitigate property damage and prepare a scope of loss & estimate of damages.

Do I need help in filing an insurance claim?
The typical homeowner’s insurance policy contains hundreds of provisions and stipulations - various forms and riders that are constantly changing. Most people do not understand these policy provisions nor do not realize that the burden of proof is on them. Most insurance company representatives actually prefer to work with an experienced public insurance adjuster rather than an inexperienced insured.

Can I still file a claim after I’ve been paid and my file has been closed by my insurance company?
Certainly. I will be glad to provide a Claim Audit for free if you do not think your settlement was correct. There is no charge unless you receive a higher settlement.