house fire
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house fire (by woody [OK]) Jan 30, 2023 4:50 AM
       house fire (by plenty [MO]) Jan 30, 2023 6:17 AM
       house fire (by Robert J [CA]) Jan 30, 2023 6:43 AM
       house fire (by Still Learning [NH]) Jan 30, 2023 6:48 AM
       house fire (by myob [GA]) Jan 30, 2023 7:21 AM
       house fire (by Steve [MA]) Jan 30, 2023 8:40 AM
       house fire (by Ken [NY]) Jan 30, 2023 8:40 AM
       house fire (by small potatoes [NY]) Jan 30, 2023 9:04 AM
       house fire (by tryan [MA]) Jan 30, 2023 4:15 PM
       house fire (by BRAD 20,000 [IN]) Jan 30, 2023 7:58 PM
       house fire (by Wilma [PA]) Feb 1, 2023 12:21 PM
       house fire (by Ray-N-Pa [PA]) Feb 1, 2023 6:01 PM

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house fire (by woody [OK]) Posted on: Jan 30, 2023 4:50 AM

Had house fire having trouble settling insurance claim. Has anyone had experience with public adjusters in getting fair settlement.

house fire (by plenty [MO]) Posted on: Jan 30, 2023 6:17 AM

Nowadays it seems like hiring a Public Adjuster is a must have if you want what your policy actually offers, and what you've been paying for.

house fire (by Robert J [CA]) Posted on: Jan 30, 2023 6:43 AM

I am a licensed contractor who also had a fire. I gave my insurance carrier a reduced price bid, so I could get my team (employee's) in to quickly and cheaply do the work at cost. I asked for $100,000. They then offered me $80,000, less my deductible--paying me only 60% up front and the balance when the job was completed to "their" satisfaction. There was no reasoning with them.

So I called a public adjuster who sent in each "Trade" to bid on each segment of the job. Demolition. Framing. Electrical. Plumbing. Insulation. Drywall. Paining. Flooring. Finish Work. The bid now came in at $328,000, a lot more than my $100,000.

So my insurance carrier got their own bids, and called me in a meeting, now offering me $200,000 to settle.

I told them that my first bid, $100,000, was cost for a marginal job. But my insurance policy covers replacement cost plus code upgrades. Their $80,000 offer was a joke and so is their $200,000. Nope, I'm sticking to my Public Adjuster and his teams. So they had to deal with the public adjuster. I only had to supervise the mistakes his contractors made. Not having enough neutrals wires per hot. Not applying tile over plywood with the property prep. And not having proper weep holes for drainage in the window frames. The little things.

house fire (by Still Learning [NH]) Posted on: Jan 30, 2023 6:48 AM

Yes and so has everyone I know that used one. They know what policies allow and fight for it. It usually raises the payout amount which should get you more which also covers their fee and you donít have the headache. If you can use one that comes recommended thatís my preference. This is a local company but they are licensed in OK. Call and ask them questions. Len has spoken at our local LL meeting and I have used Michael when my house burned down.

house fire (by myob [GA]) Posted on: Jan 30, 2023 7:21 AM

Absolutely have public adjuster and as Robert said have separate bids for each trade. I did this last fire and the insurance didn't know what job my company would do or their company so they had to be honest with the trades. We made enough off the items we did it covered our deductible.


house fire (by Steve [MA]) Posted on: Jan 30, 2023 8:40 AM

I've used a public adjuster for the several major fires that I've had. Each time I was very happy with the results. Unless it was a very minor fire (less than $10K) I would highly recommend that you find & hire a reputable public adjuster to represent you.

Remember that during the whole process your agent, your insurance company & their claims adjuster are interested in paying out as little as possible.

house fire (by Ken [NY]) Posted on: Jan 30, 2023 8:40 AM

If i had a fire with a house that i had insurance on i would hire a public adjuster right away.I have seen what they are capable of doing and they pay for themselves --74.77.xx.xx

house fire (by small potatoes [NY]) Posted on: Jan 30, 2023 9:04 AM

I took a measured approach, waited for the insurance adjusters inspection, and got all the money myself. The insurance adjusters estimate was higher than my cash vale coverage and I got the full amount. If I wasn't happy w/ their offer I would have hired a public adjuster. What kind/ how much insurance do you have? --67.240.xx.xx

house fire (by tryan [MA]) Posted on: Jan 30, 2023 4:15 PM

Yes! Get one and haggle on the commission . Mine started at 10% of the claim. I told him he was one of FIVE that have called me (ambulance chasers). He doubled as a lawyer and took 7%.

Maxed out my claim and I pocketed 30k as my own contractor.

house fire (by BRAD 20,000 [IN]) Posted on: Jan 30, 2023 7:58 PM


My answer disappeared.

Start with the FACTS

1. the ins co claims dept's job is to save the company money.

2. YOU must study your policy and KNOW what is covered. Odd things like landscaping, trash out the resident's soaking wet mattresses, dump fee, boarding up windows, flooring, your appliances, pumping the water out of the basement...

(fire hoses pump 1500 gallons per MINUTE!)

A recent fire: State Farm claims adjuster offered $43,000 with a big fancy report. I let a public adjuster give it a shot.

His claim was $93,000 and negotiated with State Farm. I got $73,000, the max on the policy. His commission was based on the difference so he got $11,000.


house fire (by Wilma [PA]) Posted on: Feb 1, 2023 12:21 PM

A friend who is a public adjustor says that the rule of thumb for engaging one is and event that is "sudden and catastrophic". This fire qualifies. --96.245.xx.xx

house fire (by Ray-N-Pa [PA]) Posted on: Feb 1, 2023 6:01 PM

A PA des make sense, if the claim is a large one. If you are hiring an adjuster over $10,000 claim- they will cost you way too much to make it make sense for you.

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