Public Claims Adjusters Network (PCAN)
Public Insurance Claims Adjusters Who Work For YOU!
No Up-Front Fees | 100% Contingency Based | No Recovery - No Fee!
Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Residential Or Commercial Insurance Claim!
Get a free on-site inspection & insurance policy evaluation from a pre-vetted expert licensed public insurance claims adjuster!
Work with highly trained & vetted public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!
Public Claims Adjusters Network (PCAN) members are public insurance adjusters who offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.
Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.
They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).
Consultations are always:
- Friendly
- Free
- No-Obligation
- 100% contingency-based In Nearly Every State
… meaning your public adjuster doesn’t get paid, unless you get paid!*
PCAN public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified today!
*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.
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*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, verified, & licensed expert public adjusters with members Nationwide. Your contact request will be matched to one of our member public adjusters in your local area to ensure the highest quality of service.
Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!
Contingency Based. We don’t get paid, unless you get paid!
*Contingency fees not permitted by law in Louisiana.
Why Hire A Public Insurance Adjuster?
Public Adjusters Help Get You The HIGHEST & Most FAIR Settlement Amount That You Are Legally Entitled To From Your Insurance Claim!
Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert Public Adjuster Members!
- Save You Time & Help Speed Up The Claim Process!
- Help Alleviate Stress & Walk You Through The Whole Process
- Negotiate With The Insurance Company & Make Sure You Get The Highest Settlement Possible
- Prepare & File All The Necessary Documents, And Handle All The Necessary Follow-up's
What PCAN Public Adjusters Bring To The Table
Policy & Claims Specialists
PCAN's public adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.
Advocacy
They advocate for your rights as the policy holder. PCAN public adjusters ensure that their clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Your team of expert public claim adjusters will be there with you every step of the way!
Experts In Seen & Unseen Damages
PCAN public insurance claims adjusters have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.
Expert Negotiators
Settlement negotiation is critically important when it comes to the claims process. PCAN public adjusters know how the insurance companies think, and come to the negotiation table fully prepared to make sure they know, that they know. Their expertise and experience in claims negotiations ensures that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, PCAN adjusters aren't afraid to get in that ring and fight them for what's rightfully yours!
Your Insurance Company Has An Adjuster ... Shouldn’t You?
Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster Strikes!
Learn more about what our expert public adjusters can do for your residential insurance claims!
Learn about what our expert public adjusters can do for your commercial insurance claims!
The Insurance Claim Recovery Process
PCAN’s State-licensed public adjuster members are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while we fight to make sure you get the highest compensation possible for your claim!
View 7-Step Insurance Claims Process
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Learn about what our public adjusting roofing specialists can do for you & your roofing claims!
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Insurance adjusters work for THEM, our public adjusters work for YOU! Here’s how …
Find A PCAN Member Public Adjuster In Your State!
Your Insurance Company Has An Adjuster ... Shouldn’t You?
Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster Strikes!
Discover How Public Adjusters Can Get You More From These Types Of Insurance Claims
Your Insurance Company Has An Adjuster ... Shouldn’t You?
Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster Strikes!
Frequently Asked Questions About Public Adjusting
What Are Public Adjusters, & What Do They Do?
Public adjusters are licensed insurance professionals who work independently to advocate for policy holders in the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are experts act as advocates for homeowners to ensure that their interests are secured in dealing with insurance companies.
The role of public adjusters has become more important over the last few years, specifically because insurance claims are becoming more complex. A landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA) found that policyholders who used public adjusters received settlements that were up to 800% more than those who dealt with claims on their own.
Public adjusters provide comprehensive services throughout the claims process. They conduct detailed assessments of the damages, and prepare and file necessary documentation, and handle all communications with insurance companies. This professional support significantly reduces the amount of time and anxiety involved with filing claims which allows policyholders to concentrate on rehabilitating.
Based mostly on a contingency fee basis which typically range from 10% to 20% of the final settlement, public adjusters are incentivized to secure the most compensation for their clients. The fee structure varies depending on the complexity of the claim, state regulations, and required resources.
They have extensive understanding of insurance policies, and building codes, and construction costs. They leverage this expertise to:
- Accelerate the claims process
- Document and evaluate the extent of damages
- Navigate complex policies
- Directly negotiate with insurance companies
- Be sure to comply with deadlines for filing and other policy requirements
Research has clearly shown that professional representation during the process of settling claims often leads to more comprehensive settlements and quicker resolution of claims. Public adjusters’ understanding of insurance regulations and industry practices can help avoid common mistakes that could hinder or delay settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Will My Settlement Be Larger If I Hire A Public Adjusting Company?
Industry research and industry analysis show the hiring of a public insurance adjuster can significantly increase policyholder settlements for claims. According to groundbreaking study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who employed public adjusters received settlements up to 800% higher than those who dealt with claims on their own.
Public adjusters in serve as licensed professionals who exclusively represent policyholders during the claims process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer comprehensive claim management services, including detailed documents for property damage and interpretation of policies as well as settlement negotiations with insurance carriers.
The value of representation by a professional is evident in final settlement figures, as professionally managed claims generally result in more thorough damage assessments and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Handling all correspondence and documentation with insurance companies
- Conducting detailed property damage assessments
- Preparing comprehensive claim submissions
- Directly negotiating with insurance companies
- Accelerating the settlement timeline
- Ensuring compliance with the policy requirements and deadlines
The majority of public adjusters operate on the basis of contingency fees, typically ranging between 10 and 20 percent of the final settlement amount. The structure of the fee aligns adjuster’s interests with those of the policyholder, as their compensation is contingent on securing a favorable settlement outcome.
A Public adjuster’s expertise often is invaluable in complicated claims situations, where the knowledge of building codes, construction costs, and insurance policy provisions can have a major impact on settlement outcomes.
Their expertise and oversight ensure that no insured damages are overlooked and that claims are properly assessed according to current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do Public Adjusters Charge?
Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements.
Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.
A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Should You Hire A Public Claims Adjuster?
Complex insurance claims often require professional expertise to effectively navigate. Public insurance adjusters, state-licensed professionals who work exclusively for policyholders, can significantly impact claim outcomes and settlement amounts.
A variety of scenarios could require the use of a public adjuster:
- Extensive property damage
- Claims involving multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Situations that are time-sensitive which require immediate attention
Public adjusters streamline the claims process by:
- Conducting extensive damage assessments
- Preparing and filing the necessary documentation
- Communication with insurance companies
- Negotiating settlements on behalf of policyholders
- Ensure compliance with policy terms and deadlines
Public adjusters particularly benefit policyholders through:
- Reducing stress by utilizing professional claim management
- Expediting settlement processes
- Providing independent damage assessment
- Ensuring comprehensive documentation
- Utilizing industry-specific expertise to ensure fair settlements
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
When Is It Too Late To Hire A Public Insurance Adjuster?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.
Key timing considerations include:
Statute of Limitations:
- Each state maintains different deadlines for filing insurance claims
- Claims must be initiated within these legal timeframes
- Public adjusters can assist with existing claims, even if initially filed independently
Documentation Requirements:
- Public adjusters help organize and prepare comprehensive claim documentation
- They can recover or reconstruct missing documentation
- Professional documentation improves claim validity and settlement potential
Claim Status:
- Active claims benefit from professional representation
- Denied claims may be reopened with proper documentation
- Disputed settlements can be renegotiated
Public adjusters provide valuable services throughout the claims process Including:
- Expedited claim processing through professional management
- Expert negotiation with insurance carriers
- Complete documentation preparation and submission
- Regular communication with insurance companies
- Stress reduction through professional claim handling
- Maximum settlement potential through experienced representation
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Why hire a Public Adjuster if the insurance company already sent an adjuster?
The decision to hire a state-licensed public insurance claims adjuster, even if an insurance company has assigned its own adjuster significantly impact the final result of an insurance claim.
Although the insurance company adjusters work for the insurance company’s interests … public adjusters serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals operate independently, ensuring fair settlement of claims and a thorough policies are interpreted.
Public adjusters streamline the claims process by coordinating documents and conducting comprehensive damage assessments and coordinating all communications with insurance companies. This professional intervention typically accelerates claim resolution and decreases homeowners burdens on administrative tasks.
The value of public adjusters also extends beyond monetary benefits. They offer expert guidance throughout the claims process, providing complicated policy terms and making sure that all damage is properly documented and valued.
They create specific damage estimates, gather the necessary evidence, and negotiate directly with insurance companies for the highest settlement outcome.
Insurance claims are complicated and time-consuming, making professional representation valuable during significant losses. Public adjusters’ expertise in negotiation and policy interpretation often results in more comprehensive settlements that cover both obvious and hidden damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can I File My Insurance Claim Myself?
While policyholders have the right to file insurance claims on their own, data from industry experts suggest that this method may not produce optimal results.
The most significant challenges of self-filing include:
- Complex documentation requirements and policy interpretation
- Time-intensive communication with insurance representatives
- Risk of overlooking covered damages or benefits
- Potential undervaluation of claims by insurance companies
- Limited-to-zero negotiation experience with insurers
licensed public adjusters have significant advantages in the claims process:
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- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and create comprehensive claim files, and handle all necessary paperwork, making sure no detail is left unnoticed.
- Time and Stress Management – These professionals manage all communication with insurance companies, allowing homeowners to focus on recovery while speeding the claims process.
- Expert Negotiation – With extensive knowledge of the insurance policies and rules, public adjusters deal directly with insurance companies to negotiate fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency fee basis, typically ranging between 10-20% of the settlement amount, ensuring alignment with the policyholder’s interests.
The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the claims process. Their expertise can be valuable in complex claims or when significant damages are involved.
Statistics from the industry consistently indicate that expert representation by state-licensed public insurance claims adjusters leads to better results for the policyholders, with faster processing times, and more comprehensive settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Can My Contractor Represent Me Against My Insurance Company?
While contractors often offer the opportunity to negotiate with insurers, this approach can present serious risks and restrictions. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack expertise to be official representatives for insurance claims negotiations.
This restriction could greatly affect the result of a case and may compromise the rights of the insurance company.
State insurance departments oversee licensed public adjusters, who receive extremely specialized training, undergo Federal background checks, and require special licensing from the state to operate. They also have the legal authority to represent the policyholder to protect & defend their rights … legal authority that contractors do not possess … which makes them the legal alternative to representation by contractors.
Public Adjusters specialize in interpreting insurance policies, assessing damages, and negotiating with insurance companies to guarantee fair and equitable settlements.
Public adjusters provide several distinct advantages, such as:
- Expert claim documents and filing
- Professional negotiation with insurance carriers
- Comprehensive damage assessment
- Faster claim processing
- Stress reduction by a complete claim management
The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public insurance claims adjusters must hold professional licenses and follow strict ethical standards, providing the additional level of consumer protection not available with the representation of contractors.
For more complex claims, public adjusters’ expertise in the interpretation of policies, documentation requirements and negotiation techniques often proves invaluable, potentially preventing costly errors and denials of claims that might occur with negotiation led by contractors.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed for Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Get More?
When insurance settlements prove insufficient to pay for property damage, policyholders have a range of legal options for seeking additional compensation, even after the initial claim settlement.
As per the National Association of Insurance Commissioners (NAIC), policyholders should be sure to carefully review their settlement terms and related documents prior to accepting the final settlement payment.
The timing and the circumstances for pursuing additional compensation are critical factors, as most insurance policies contain specific deadlines for claims disputes as well as appeals, usually between one and two years after the settlement date.
Licensed public adjusters are crucial in re-evaluating settlement claims and in identifying previously missed damages. Public adjusters carry out thorough assessments of property damages, document any additional damages, and negotiate with insurance carriers in the interest of policyholders.
The most important steps to pursue additional compensation are:
- Document newly discovered damages
- Review policy terms and settlement agreements
- Gather new evidence and estimations
- Think about professional representation from a state-licensed public insurance claims adjusters
The National Association of Public Insurance Adjusters (NAPIA) insists that public adjusters are often able to identify missed damages and policy provisions that allow for an additional amount of compensation. Their expertise in policy interpretation and the valuation of claims is particularly useful in defending claims that have already been settled.
Policyholders should respond quickly after discovering inadequate settlement amounts, as a delay can compromise their ability to recover additional compensation. When utilizing a public adjuster’s services, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster?
No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.
The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.
The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.
Disclaimer: Some Services Not Available In All Areas.
Your Insurance Company Has An Adjuster ... Shouldn’t You?
Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster Strikes!
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Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster Strikes!