Michigan’s #1 Choice For Transparent Public Adjusters That Get You Paid. 

Public Adjusters Local is Michigan’s premier public insurance claim settlement company. Our adjusters can handle any damage claims whether it be fire, water or smoke and take the hassle out of your Insurance Claim Process. Experiencing a Property Loss in your home or business can be emotionally overwhelming. Our licensed Claim Adjusters will represent you and maximize your insurance claim payout GUARANTEED.

  • We Work For The Insured
  • We Fight On Your Behalf
  • We Maximize Insurance Claims
  • We Make Sure You Get A Fair Settlement
  • We Are With You Every Step Of The Way

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586-791-3900

Our Licensed Michigan Public Adjusters Get Results For Our Customers

Our team of Licensed Michigan Public Adjusters provide insurance claim assistance to commercial, industrial and residential property homeowners. We can maximize any Insurance Claim due to fire, water, flood, storm and content losses across Michigan. The days following the disaster are crucial for the positive outcome of your insurance claim.  Missing important deadlines, not understanding the terms of your insurance policy, making errors when completing the forms, or relying just on the appraisal put forth by your insurance company,  may result in a smaller settlement, even a denied claim. We can help!  We provide all services related to fire & water loss appraisals, preparation & filing the settlement recovery. With hundreds of successful disaster claims processed under our belts every year throughout Michigan, we know just what it takes to get the best settlement for your property loss claim.

“There are no upfront costs or any hidden fees. We don’t get paid unless you receive a settlement” 

Typically, We Charge The Industry Standard 10% But On Larger Loss Projects, We Will Negotiate That Number

10 Steps We Do To Help You Recover More!

Our Process

Fire Damage

Fire Damage losses are often the most devastating occurrences and require important short-term decisions from individuals that are under a tremendous amount of stress and confusion. Our fire claim adjusters will stop mistakes from being made and guide you through the insurance claim process.

Water Damage

Water Damage losses such as frozen pipe breaks, leaks from appliances and sewage backups are typical water losses that are covered under most risk property policies. However, policy language under water damage can be very confusing at best, we can help navigate for the best insurance claim payout.

Storm Damage

Storm Damage losses usually cover any physical damage from windstorm. If direct physical damage is obvious, such as roof shingle blown off/walls or portions of roof blown away or siding ripped off then a coverage determination becomes easy. If not then we have to put in some work to get the claim covered.

Content Inventory

Content Damage Losses consist of collecting the value of every personal property item that was damaged or destroyed – up to your policy limits. Our Team will document/list, photograph and put a value to every item and any other evidence needed to present your claim and get you paid in a timely manner.

“There are no upfront costs or any hidden fees. We don’t get paid unless you receive a settlement” 

Typically, We Charge The Industry Standard 10% But On Larger Loss Projects, We Will Negotiate That Number

What Is A Public Adjuster? How They Can Benefit Me? What Do They Do?

A public adjuster is a licensed professional who works on behalf of policyholders to help them navigate the complex process of filing and negotiating insurance claims. Their primary role is to advocate for the insured party, whether it’s an individual or a business, to ensure they receive a fair and equitable settlement from their insurance company. Here’s what a public adjuster typically does:

  1. Initial Assessment: When an insurance claim is filed, a public adjuster will conduct a thorough assessment of the damage or loss covered by the insurance policy. This includes documenting and evaluating the extent of the damage and loss.
  2. Policy Review: Public adjusters are well-versed in insurance policies and coverage terms. They review the insurance policy to determine the scope of coverage, deductibles, and any exclusions that may apply to the claim.
  3. Claim Documentation: They assist the policyholder in properly documenting the claim, ensuring that all necessary paperwork, photographs, estimates, and other supporting documents are submitted accurately and in a timely manner.
  4. Claims Presentation: Public adjusters create a comprehensive and well-documented claim package to present to the insurance company. They use their knowledge and experience to make a strong case for the maximum settlement the policyholder is entitled to.
  5. Negotiation: Public adjusters negotiate with the insurance company on behalf of the policyholder to secure the best possible settlement. This may involve going back and forth with the insurance company’s adjusters to reach an agreement.
  6. Communication: Public adjusters serve as the primary point of contact between the policyholder and the insurance company. They keep the policyholder informed about the status of the claim and any developments in the negotiation process.
  7. Settlement Maximization: The goal of a public adjuster is to maximize the payout for the policyholder. They work to ensure that the policyholder receives compensation that covers the full extent of their covered losses, taking into account factors such as property damage, business interruption, or personal injury.
  8. Expertise: Public adjusters are knowledgeable about the insurance industry and the claims process. They understand the terminology, regulations, and standards relevant to insurance claims, which can be especially beneficial when dealing with complex claims.
  9. Appraisals and Inspections: Public adjusters may arrange for professional appraisals or inspections to provide accurate estimates of the damage and losses, especially in cases involving large or complex claims.
  10. Claim Resolution: Once a settlement is agreed upon, the public adjuster helps the policyholder with the final steps of claim resolution and payout processing.

Public adjusters typically work on a contingency fee basis, earning a percentage of the final insurance settlement. This fee structure aligns their interests with those of the policyholder, as they have a financial incentive to maximize the payout. It’s important to note that the use of public adjusters is more common in commercial or complex insurance claims, but they can also assist individual policyholders when dealing with challenging claims.

Testimonials

We spoke earlier about our home in Redford MI. I want to say it was a pleasure talking with you and to Thank You so very much!!! for the time you took with me today, it means the world to me that you listened to all that we had been going through with our insurance company. No matter whether we will need your help or services, I just want to extend a very sincere Thank You for your time. I truly wish you prosperity health and safety.

Lisa Stafford, Hello Edward

This is a long awaited compliment for the work you did to resolve a very touchy water damage complaint. I was at my wits end until John Sweeney of Break The Mold strongly suggested I contact a public adjuster. My first phone call to your office answered all of my questions and I physically felt defeated until you came on board. Your representation completely took me out of responsibility to have contact with the insurance company adjuster from hell who i deemed had a personal agenda toward the end of the year of possibly attaining something from a denial of coverage. I couldn’t have done it without you! I had photo evidencing the damage but it fell on deaf ears until you put a descriptive pkg together submitting such to said adjuster. I had been dealing with this situation for nearly 4 months and was physically spent. Your professionalism got their attention and a settlement. Notably I am very grateful to you and for John directing me on the right path on something I had no knowledge even existed. Thank You Again

M McLaughlin, Thanks Ed