Established Experts in Negotiating Property Insurance Claims
Insurance is meant to offer peace of mind in the event of a natural disaster, fire, flood, or other form of damage. But, an average 99% of insurance claims are underpaid in New York. Handing your claim over to us gives you the best chance of getting a fair settlement.
As a public insurance adjuster, we don’t work with your insurance company. We work for you. With a team of specialists who understand the insurance claims process, you can have peace of mind that we’ll ensure you get the maximum from your policy.
Handling the Property Damage Claims Process
We assist our clients every step of the way throughout the claims process, from assessing and documenting damage to presenting a robust case to the insurance company.
Policy Review
Insurance policies can be confusing, including terminology that you might not understand. We’re here to give you complete clarity and confidence by eliminating confusing policy language and providing the facts.
Professional Estimates
Insurance companies are notorious for trying to reduce property damage claim payments. By having a professional estimator thoroughly assess damage to your property, we preempt lowball offers and help you secure the maximum compensation.
Contents Inventory
If your commercial or homeowners insurance policy covers contents damage, you’ll need clear documentation. Our contents inventory specialists visit the property, document the damage, and create an accurate estimate.
Appraisal + Mediation
When insurance company adjusters attempt to underpay you, we’re here to handle the appraisal and negotiation stages of your claim. Our licensed public adjusters will negotiate directly with your insurance company and attempt to secure the maximum settlement you’re eligible for.
We've Helped Over 1,000 Property Owners Receive a Fair Insurance Settlement
Making a property damage insurance claim alone often exposes you to lowball offers, long negotiations, and ongoing disruptions. When disaster strikes, we’ve got you covered.
Satisfied Clients
%
Maximum Payout
%
Success Rate
Lives Restored
What Makes Our Public Adjusting Services Different?
We have every claim and every life in the center of our hearts. We do everything possible to maximize your claim and reduce underpayments. We are a team that cares and fights for the best results for all clients.
Why Choose Our Licensed Public Adjusters?
At Lexington Public Adjusters, we value every client, and every claim is our highest priority!
We use our extensive knowledge and years of experience to get the best results from every case we handle.
Our high success rates show how hard we work for our clients and the expertise we bring to bear on your case.
Don’t settle for anything less!
- Experienced Public Adjusters 100%
- Experts in our Field 100%
- High Success Rate 97%
Frequently Asked Questions
What is a public insurance adjuster?
A public insurance adjuster works with people to ensure they get the proper insurance compensation. This involves liaising with the insurance provider and representing a client’s best interests.
What happens during the public adjusting process?
We follow a set process when supporting residential and commercial property owners with their insurance claims:
-
Initial Consultation: When you contact us, we’ll visit your site to assess the damage and review your insurance policy.
-
Documentation and Claim Valuations: Once your adjuster has documented all evidence of damage, they’ll calculate how much it will cost to repair/replace items.
-
Submitting Your Claim: We’ll create a detailed claim document for your insurance provider, outlining the damage and payment.
-
Negotiation: Your public adjuster will negotiate directly with the insurance company, advocating on your behalf.
-
Settlement: Once we secure a fair compensation payment, we’ll take our fees out of your settlement.
What is the difference between an insurance company adjuster and a public adjuster?
Insurance company adjusters work for the provider. Their job is to assess damage and recommend a payment. However, insurance adjusters have a vested interest in reducing your claim settlement to save the provider money.
In contrast, public adjusters work for you. Our goal isn’t to make things easy for your insurance provider; it’s to maximize your compensation.
Which types of property damage does Lexington PA handle?
We handle everything from fire and smoke damage to floods, leaks, and storm damage. If your insurance policy covers it, we’ll help you through the claim settlement process. However, we’ll first need to conduct a full policy review, as there may be some exclusions in place.
How does a public adjuster work?
While insurance adjusters work for the insurance company, a public adjuster represents the claimant and is legally authorized to do so. They can support you through the entire claims process, including acting as an advocate.
Can a public adjuster speed up my claim?
Yes, in most cases, we can speed up your claim. By accurately documenting any damage and carefully assessing your insurance policy, we’ll present a strong case to the company and handle any negotiations.
Our specialists are highly experienced in handling complex claims and will always give you the best advice. For example, if we feel you can secure a higher payment by negotiating for a bit longer, we’ll let you know.
When to hire a public adjuster?
Ideally, you should call us as soon as a loss happens. This way, we can ensure we support you through the claim process, and your insurance company is less likely to offer a low payout, and you’ll get a full and fair settlement.
How much does a public adjuster charge?
The amount you pay your claims adjuster depends on your final settlement and how much they charge. At Lexington PA, we charge a small percentage of your settlement amount and guarantee it won’t put you out of pocket.
What should I ask a public adjuster before making a decision?
When hiring a public adjuster, make sure you review the company’s experience and confirm that the specialists are licensed. It’s also important to ask about rates and whether you’ll have to pay upfront.
When you work with us, you don’t pay anything unless your claim is successful. We’ll take our fees from the compensation amount.
When is it too late to hire a public adjuster?
While it’s always best to hire a public adjuster early on, we can still help you if your claim is open/unresolved. As long as you haven’t accepted the insurance company’s offer, we can provide assistance.
Get in touch
Contact us today for more information on how we can assist you