FAQs

  • A public adjuster is an insurance claims adjuster who works for the policyholder, not the insurance company. They are licensed professionals who specialize in the claims process and work to ensure that you receive the maximum compensation for your claim.

  • A licensed, professional insurance adjuster has expertise in the claims process and can help you navigate complex insurance policies. They can handle all aspects of the claims process, including filing paperwork and negotiating with the insurance company.

    Besides reducing stress and saving time, they can help you obtain a higher settlement than you would on your own.

  • At Highnoon Public Adjusting, we work on a contingency fee basis, which means we only get paid if you receive a settlement.

    Our fee is up to 10% of the final settlement amount and there are no upfront costs to you.

  • If you have a denied claim, you should contact Highnoon Public Adjusting to schedule a free consultation. We will help you understand your policy and determine the best course of action.

  • You should provide your public adjuster with any relevant documents related to your claim, including your insurance policy, photos of the damage, and any estimates or repair bills. We will also work with you to complete any necessary paperwork.

  • Yes, you have the right to terminate your contract with a public adjuster at any time. However, we recommend that you carefully review your contract and reach out to us with any questions or concerns you may have.

  • The length of the claims process can vary depending on the complexity of your claim and the insurance company's response time. At Highnoon Public Adjusting, we work to expedite the process and keep you informed every step of the way.

  • The amount you will receive in a settlement will depend on the extent of the damage and your insurance policy's coverage. We will work to negotiate the maximum possible settlement for your claim.

  • Contractors are licensed and trained to build and repair, not handle insurance claims. In fact, unless they have a license to adjust claims, it is illegal for them to do so in many states.

    Besides this, they typically do not have the proper experience to get the most out of your settlement or overturn a denied or underpaid claim.

  • If you handle a claim on your own, you run the risk of getting underpaid or even denied. If you don’t have experience working on cars, you likely hire a mechanic. The same is true with claims adjusting - we are experienced professionals that know how to negotiate a higher settlement and save you time and money.

  • While your insurance company may send out an adjuster to assess the damage, this adjuster is on the insurance company’s payroll. This means they act in the best interest of the insurance company, not you.

    It is common that these adjusters undervalue your damages. In some cases, they may even lead to your claim being denied. As public adjusters, we only gets paid if you get paid and therefore act in your best interest.

Glossary and Helpful Terms

  • A request for compensation for a loss or damage covered by your insurance policy.

  • A requirement that you insure your property for a certain percentage of its value, typically 80% or more, in order to receive full coverage in the event of a loss.

  • A summary page of your insurance policy that includes the policy number, coverage types and limits, deductibles, and other important information.

  • The amount you are responsible for paying out of pocket before your insurance coverage kicks in.

  • An addition or modification to your insurance policy that can add or remove coverage.

  • A specific event or condition that is not covered by your insurance policy.

  • Insurance coverage that protects you against legal claims from third parties who allege that you caused them harm or injury.

  • Damage or destruction to your property that is covered by your insurance policy.

  • Steps taken to minimize further damage to your property following a loss.

  • Property that is not attached to your home, such as furniture, clothing, or electronics, that is covered under your insurance policy.

  • A written contract between you and your insurance company that outlines your coverage and obligations.

  • The amount you pay for your insurance policy.

  • Replacement Cost coverage will pay for the cost to replace your property with similar new property, while ACV coverage will only pay for the actual cash value of your property, taking into account depreciation.

  • The agreed-upon amount of compensation you will receive from your insurance company for your claim.

  • The legal process where your insurance company seeks to recover its costs by going after the responsible party for your loss.

  • The process of assessing your risk and determining your insurance policy's terms and conditions.

  • Coverage that helps pay for additional living expenses, such as a hotel or rental property, if your home is uninhabitable due to a covered loss.

  • Property that is attached to your home or fixtures that are outside of your home, that may be covered under your insurance policy.

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