Work With Trusted & Experienced

Public Adjusters In Independence, Missouri That Work For YOU!

100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!

*Not All Services Available In All Areas. 

Don't Settle For Less!

Get 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 claims adjusters!

Work with highly trained & verified Independence 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) member public adjusters in Independence, Missouri 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!*

Public Claims Adjusters Network 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 Missouri public adjusters 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.

Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!

*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, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the Independence community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

Public Adjuster Graph
Public Adjuster Graph

Why Hire A Public Insurance Adjuster In Independence Missouri?

Independence Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!

Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public insurance claims adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed Independence Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For Independence Residents

PCAN member public insurance claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in Independence, Missouri. 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.

Advocates For Homeowners, Businesses, & HOA's In Independence, Missouri

PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the 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. Public adjusters are there with you every step of the way!

Experts In Seen & Unseen Damages For Independence Homeowners Insurance Claims

PCAN member public claims adjusters in Independence, Missouri 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 Independence Damage Claim Negotiators

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in Independence, Missouri know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public adjusters have the expertise and experience in claims negotiations to ensure 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, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Frequently Asked Questions (FAQ) About Independence Missouri Public Adjusting

Independence Public adjusters are licensed insurance professionals who work independently to advocate for policy holders throughout the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) the professionals act as advocates for homeowners to ensure that their interests are secured in working with insurance companies..

The function of public adjusters has become increasingly important over the last few years, especially since insurance claims become more complicated. A landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements that were up to 800% higher than those who handled claims independently.

Public adjusters provide comprehensive services throughout the claims process. They conduct detailed assessments of the damages, and prepare and file the necessary documentation, and handle all communication with insurance companies. This type of support from licensed professionals, significantly reduces the stress and time that comes with filing claims and allows policyholders to concentrate on rehabilitating.

Based mostly on a contingency fee basis, typically ranging from 10% to 20 percent of the final settlement, public adjusters are rewarded for securing the maximum possible amount of compensation to their customers. The fee structure varies based on claim complexity as well as state regulations and the resources required.

These professionals possess vast knowledge of insurance policies,  as well as building codes, and costs for construction. They apply this knowledge to:

  • Accelerate the claims process
  • Document and evaluate the extent of damages
  • Navigate complex policy language
  • Negotiate directly with insurance companies
  • Ensure compliance with filing deadlines and other policy requirements

Research has clearly shown that professional representation during the claim process usually results in more comprehensive settlements as well as quicker claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices can prevent common pitfalls that could otherwise slow or hinder settlements.

Related Story: Are Public Insurance Claims Adjusters Worth It?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Industry research and analysis have shown that hiring a public insurance adjuster can significantly increase policyholder claim settlements. According to a landmark research study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who utilized public adjusters received settlements up to 800% higher than those who dealt with claims on their own.

Public adjusters in Independence, Missouri serve as licensed professionals who represent only policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer comprehensive claim management services, which include detailed property damage documentation as well as policy interpretation and settlement discussions with insurance carriers.

The value of representation by a professional is evident in final settlement figures, as professionally managed claims usually result in more thorough damage assessments and more accurate valuations 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
  • Negotiating directly with insurance companies    
  • Speeding up the settlement timeline  
  • Ensuring compliance with policy guidelines and deadlines  

The majority of public adjusters work on a contingency fee basis, that typically range from 10% to 20 percent of the final settlement amount. This fee structure aligns the interests of the adjuster with the interests of the policyholder, since their compensation depends on securing a favorable settlement agreement.

A Public adjuster’s expertise often proves valuable in difficult claims, where technical knowledge of building codes, construction costs, and insurance policy provisions can have a major impact on settlement outcomes.

Their professional oversight helps ensure no covered damages are overlooked and that claims are properly valued according to the current market conditions.

Related Story: When Should I Retain A Public Insurance Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

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.

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.

Related Story:How Does A Public Insurance Adjuster Work?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Complex insurance claims typically require experienced professionals to effectively navigate. Public insurance adjusters, state-licensed professionals who solely work on behalf of policyholders, can significantly impact the outcome of claims as well as settlement amount.

There are a variety of scenarios that require the use of a public adjuster:

  • Property damage that is extensive
  • Claims that involve multiple types of coverage
  • Disputed claims or partial claim denials      
  • Complex documentation requirements
  • Situations that are time-sensitive which require immediate attention

Public adjusters streamline the claims process by:

  • Conducting comprehensive damage assessments
  • Preparing and filing the all documentation required 
  • Communication with insurance companies 
  • Negotiating settlements on behalf of policyholders 
  • Ensuring compliance with policy conditions and deadlines

Public adjusters particularly benefit policyholders through:

  • Reducing stress through expert claim management
  • Speeding up the settlement process 
  • Providing an objective assessment of damage
  • Ensuring comprehensive documentation
  • Leveraging industry expertise for fair settlements

Related Story:Are Public Claims Adjusters Legitimate?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Missouri 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

Related Story:Common Public Insurance Adjuster Pitfalls & How To Avoid Them

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

The decision to hire a state-licensed public insurance claims adjuster, even when an insurance company has appointed its own adjuster, could greatly affect the final outcome of an insurance claim.

Although insurance company adjusters work for their employer’s interests … public claims adjusters In Independence, Missouri serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated adjusters operate independently to ensure fair settlement of claims and a thorough policies are interpreted.

Public adjusters streamline the claims process by coordinating documentation as well as conducting complete assessment of the damage, and handling all communication with insurance companies. This professional intervention typically speeds up the resolution of claims and eases homeowners administrative burdens.

The benefit of public adjusters isn’t only limited to monetary benefits. They offer expert advice during the claim process, explaining complicated policy terms and making sure that the damage is documented and assessed.

They make precise damage estimates, gather the necessary evidence, and engage directly with insurance carriers in order to get the best settlement results.

Insurance claims are complicated and time-consuming which makes professional representation essential during major loss events. Public adjusters’ expertise in policy interpretation and negotiation often results in more comprehensive settlements that account for the obvious as well as concealed damages.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Related Story:How Do Public Adjusters Get Paid And Who Pays Them?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

While policyholders have the right to file insurance claims independently, data from experts in the industry suggest this strategy may not provide optimal results.

Key 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 offer significant advantages in the process of settling claims: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, prepare comprehensive claim files, and handle all necessary paperwork, making sure that nothing is missed.
    2. Time and Stress Management – These professionals handle all communications with insurance companies, allowing homeowners to focus on recovery while speeding the process of submitting claims.
    3. Expert Negotiation – With a vast understanding of the insurance policies and rules, public adjusters deal directly with insurance companies in order to secure fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, typically ranging between 10-20 percent of the settlement amount, to ensure alignment with the policyholder’s interests.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent the interests of policyholders during the process of settling claims. Their expertise can be beneficial in complicated claims or when significant damages are involved.

Industry statistics consistently show that professional professional representation by state-licensed public insurance claims adjusters leads to better outcomes for policy holders, with faster processing times, and more comprehensive settlement packages.

Related Story:Public Adjuster Fees

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Although contractors frequently offer to negotiate with insurers, this strategy can have some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors are not legally authorized and lack know-how to be representative for insurers in claim negotiations.

This limitation can significantly impact the outcome of a claim and potentially limit your rights as a owner of the policy.

State insurance departments oversee licensed public adjusters, who go through highly specialized training, must pass Federal background checks, and require specialized licenses from the state to operate. They also have the legal authority to represent the policyholder to protect & protect their right … legal authority that contractors don’t have … thus they are the legal and comprehensive alternative to contractor representation.

Public Adjusters are experts in the interpretation of insurance policies, documenting damages, and working with insurance companies in order to secure fair claim compensation.

Public adjusters provide several distinct advantages, including:

  • Expert claim documentation and filing
  • Professional negotiation with insurance companies
  • Comprehensive damage assessment
  • Faster claim processing
  • Stress reduction through complete claim management

The National Association of Public Insurance Adjusters (NAPIA) emphasizes the fact that public insurance adjusters need to maintain professional licenses and follow strict ethical standards, thereby providing the additional level of consumer protection not available with the representation of contractors.

For more complex claims for complex claims, for more complex claims, public adjusters’ expertise in the interpretation of policies, documentation demands, and negotiation strategies often can be invaluable, thereby avoiding costly mistakes and claim denials that could arise from the use of contractors in negotiations.

Related Story:When Is It Too Late To Hire A Public Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

When insurance settlements prove insufficient to cover property damages, policyholders have a range of legal options to pursue further compensation after the initial claim settlement.

According to the National Association of Insurance Commissioners (NAIC), NAIC recommends that policyholders carefully evaluate the terms of their settlement and related documentation before accepting the final settlement.

The timing and circumstances for the pursuit of additional compensation are important elements, as most insurance policies have specific timeframes for dispute resolution or appeals, usually between one and two years after the settlement date.

Licensed public insurance adjusters are essential in re-evaluating settlement claims and in identifying overlooked damages. Public adjusters conduct thorough assessments of property damages, as well as document any additional damage, and deal with insurance companies for policyholders.

Important steps to pursue additional compensation include:

  1.  Document newly discovered damages
  2. Review of policy terms and settlement agreements
  3. Collect additional evidence and estimations
  4. Request professional representation from a state-licensed public insurance adjusters

The National Association of Public Insurance Adjusters (NAPIA) emphasizes that public adjusters can often identify overlooked damages and policy provisions that allow for the need for additional compensation. Their expertise in policy interpretation and claim valuation is especially valuable when challenging settled claims.

The policyholder should respond quickly after discovering inadequate settlement amounts, since delay can compromise their ability to collect additional compensation. When utilizing a PCAN member Public Claims Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts. 

Disclaimer: *Some Services Not Available In All Areas. The use of contingency fees is not permitted in Louisiana.

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.

Related:Public Insurance Claim Adjusting Guides & Resources

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

The Homeowners Insurance Claims Recovery Process In Independence, Missouri

Missouri state-licensed public adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!

Step #1

Make Sure Your Family Is Safe

When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!

Step #1

Step #2

Contact A PCAN Public Adjuster In Independence, Missouri

Contact one of the PCAN verified and state-licensed public claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

Step #3

Thorough Review Of Your Policy

Your public claims adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.

Step #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public insurance claims adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.

Step #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public adjuster will:

  • Meet with insurance company adjusters & personnel at the loss/damage location.
  • Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
  • Prepare a detailed reconstruction estimate.
  • Prepare a detailed inventory of personal property.
Step #5

Step #6

Negotiations & Final Settlement

Your public insurance adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.

Step #6

Step #7

Restoration | Reconstruction | Relocation

Your public insurance claims adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Explore How Independence Public Claims Adjusters Can Help You Maximize Settlements From These Types Of Home Insurance Claims

Public Adjusters Independence, Missouri

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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A glossary of insurance terms provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.

Key concepts include such terms as Actual Cash Value Vs. Replacement Value, a method for determining compensation based on replacement costs minus recoverable depreciation, and Additional Living Expenses (ALE), which cover necessary living costs when a home is uninhabitable.

For example, understanding your home insurance declaration page, common homeowners insurance claim deductibles for various kinds of home & property damage, the general policy exclusions standard in many homeowners insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Independence, Missouri
Jackson County Courthouse In Independence
Location Of Independence In Missouri
Location of Independence in Missouri
Coordinates: 39°04′42″N 94°25′10″W / 39.07833°N 94.41944°W / 39.07833; -94.41944
CountryUnited States
StateMissouri
CountyJackson
FoundedMarch 29, 1827
Named forThe Declaration of Independence
Government
 • MayorRory Rowland
 • City ManagerZachary C. Walker
Area
 • Total
78.42 sq mi (203.10 km)
 • Land77.97 sq mi (201.93 km)
 • Water0.45 sq mi (1.17 km)
Elevation
863 ft (263 m)
Population
 (2020)
 • Total
123,011
 • Density1,577.75/sq mi (609.17/km)
DemonymIndependencian
Time zoneUTC−6 (Central (CST))
 • Summer (DST)UTC−5 (CDT)
ZIP Codes
64050–64057
Area code816
FIPS code29-35000
GNIS feature ID2395422
Websitewww.indepmo.org

Independence is the county seat of Jackson County, Missouri, United States. It is a satellite city of Kansas City, Missouri, and is the largest suburb on the Missouri side of the Kansas City metropolitan area. In 2020, it had a total population of 123,011, making it the fifth-most populous city in Missouri.

Independence is known as the “Queen City of the Trails” because it was a point of departure for the California, Oregon, and Santa Fe Trails. It is the hometown of U.S. President Harry S. Truman, with the Truman Presidential Library and Museum, and the gravesites of Truman and First Lady Bess Truman. The city is sacred to the Latter Day Saint movement, as the home of Joseph Smith‘s 1831 Temple Lot, and the headquarters of several Mormon denominations.

Source

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.