About XpertClaim Adjusters

Public Adjuster

A public adjuster is a licensed insurance professional who advocates for homeowners in the claims process, ensuring they receive the maximum compensation for damages covered by their insurance policy. Unlike insurance company adjusters who represent the insurer's interests, public adjusters work exclusively for the homeowner. They handle all aspects of the claim, from assessing damage and documenting losses to negotiating with the insurance company. This expertise is especially valuable in complex situations, such as after a storm, fire, or other significant home damage, where understanding policy language and accurately estimating repair costs can significantly impact the settlement. By hiring a public adjuster, homeowners can relieve the stress of navigating the claims process alone and increase the likelihood of a fair and timely payout.

Loss Consultant

When acting as a Loss Consultant, a public adjuster provides expert guidance to homeowners throughout the insurance claim process, even before a formal claim is filed. In this role, they evaluate potential losses, advise on the best course of action, and help homeowners understand their insurance policy's coverage and limitations. The Loss Consultant's proactive approach includes documenting damages, estimating repair costs, and strategizing to maximize the claim's value. By involving a public adjuster as a Loss Consultant early on, homeowners benefit from informed decision-making, reducing the risk of underpayment or denial of their claim and ensuring they are fully prepared to navigate the complexities of the insurance process.

Policy Review

​When a public adjuster provides free policy reviews, they meticulously analyze a homeowner’s insurance policy to uncover coverage details, exclusions, and limitations. This proactive review helps homeowners understand their current coverage and identify potential gaps or areas for improvement. By evaluating the policy, the public adjuster can suggest enhancements to better protect the homeowner and recommend adjustments to eliminate unnecessary coverage or reduce premiums. This process benefits homeowners by ensuring they have optimal coverage tailored to their needs, minimizing wasted costs, and providing a clearer picture of their insurance protection, which ultimately leads to more informed decisions and a better-managed claims process.

​When a public adjuster provides industry-standard Xactimate estimates to general contractors, restoration professionals, and third-party vendors, they deliver a detailed and precise breakdown of the costs associated with repairing or restoring a damaged property. Xactimate is a widely recognized software used in the insurance industry to generate accurate estimates based on current pricing and standard practices. By using this tool, the public adjuster ensures that all parties involved have a clear and consistent understanding of the scope and cost of repairs. This benefits homeowners by facilitating transparent communication and negotiations with contractors and vendors, ensuring that repair work is conducted efficiently and in line with insurance coverage, ultimately leading to a fair and timely settlement of their claim.