Work With Trusted & Experienced
South Carolina Public Adjusters That Work For You!
100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!*
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
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 & vetted South Carolina 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 South Carolina 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 South Carolina public claims 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 A Free Consultation!
- Required Fields
*Some Services May Not Be Available In All Areas. Contingency fees are not permitted by law in Louisiana. 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 South Carolina community, to ensure the highest quality of service & care.
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 Claims Adjuster In South Carolina?
South Carolina 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 South Carolina Public Claims Adjuster Members Today!
- 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
*Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.
What Our Network Of Licensed South Carolina Public Insurance Adjusters Bring To The Table
South Carolina Insurance Policy Claims Specialists
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 South Carolina. 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 South Carolina Homeonwers Insurance Policy Holders
PCAN member public insurance 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
PCAN member public claims adjusters in South Carolina 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 Claims Negotiators
Settlement negotiation is critically important when it comes to the claims process. Public adjusters in South Carolina know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance 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!
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 South Carolina
South Carolina state-licensed public insurance claims 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!
View 7-Step Claims Recovery Process Map
(Click To Expand Infographic)
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 South Carolina Public Adjusting
What Are South Carolina Public Adjusters, & What Do They Do?
South Carolina Public adjusters are licensed insurance professionals who independently represent policyholders during the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are professionals act as advocates for homeowners and ensure their rights are protected when working with insurance companies..
The function of public adjusters has become more significant in recent years, particularly because insurance claims are becoming more complicated. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) discovered that policyholders who employed public adjusters received settlements up to 800% higher over those who managed claims on their own.
Public adjusters provide comprehensive services throughout the claims process. They conduct thorough damage assessments, and prepare and file necessary documentation, and manage all communication with insurance companies. This type of support from licensed professionals, significantly reduces the stress and time that comes with filing claims which allows policyholders owners to focus on recovery.
Working primarily on a basis of contingency fees, typically ranging from 10% to 20 percent of the settlement, public adjusters are incentivized to secure the most settlement for their clients. The fee structure varies according to the complexity of the claim as well as state regulations and the resources required.
They have extensive understanding of insurance policies, as well as building codes, and costs for construction. They leverage this expertise to:
- Speed up the claims process
- Document and evaluate damages thoroughly
- Navigate complex policies
- Negotiate directly with insurance companies
- Ensure compliance with deadlines for filing and other policy requirements
Research has clearly shown that professional representation during the claims process usually results in more comprehensive settlements as well as faster claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices helps prevent common pitfalls that could otherwise slow or hinder settlements.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Will My Settlement Be Larger If I Hire A South Carolina Public Adjusting Company?
Research and analysis show that employing a public insurance adjuster can dramatically increase policyholder settlements for claims. According to a landmark study conducted by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who used public adjusters received settlements up to 800% higher than those who handled claims themselves.
Public adjusters in Alvin, South Carolina serve as licensed professionals who represent only policyholders during the claims process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer comprehensive claims management services, which include detailed property damage documentation as well as policy interpretation as well as settlement negotiations with insurance carriers.
The importance of a professional representation is particularly evident in final settlement figures, as professionally managed claims typically result in more thorough damage assessments and more accurate estimates of losses.
Public adjusters streamline the claims process by:
- Handling all documentation and correspondence with insurance companies
- Conducting thorough assessments of property damage
- Preparing comprehensive claim submissions
- Negotiating directly with insurance carriers
- Accelerating the settlement timeline
- Ensuring compliance with policy requirements and deadlines
Most public adjusters work on a contingency fee basis, typically ranging between 10 and 20% of the final settlement amount. The structure of the fee aligns adjuster’s interests with the interests of the policyholder, since their compensation is contingent upon securing a favorable settlement.
The expertise of a Public Adjuster often proves valuable in difficult claims situations, where the knowledge of building codes, construction costs, & insurance policy provisions can have a significant impact on settlement outcomes.
Their expertise and oversight ensure that no insured damages are overlooked and that claims are appropriately valued according to the current market conditions.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.
How Much Do South Carolina 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 Is It Too Late To Hire A South Carolina Public Adjuster?
Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a South Carolina 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.
When Should You Hire A Public Claims Adjuster In South Carolina?
Complex insurance claims typically require expert knowledge to effectively navigate. Public insurance adjusters, state-licensed professionals who only work on behalf of policyholders, can have a significant impact on the outcome of claims as well as settlement amount.
Several scenarios warrant hiring a public adjuster:
- Property damage that is extensive
- Claims involving multiple types of coverage
- Disputed claims or partial claim denials
- Complex requirements for documentation
- Situations that are time-sensitive and require immediate attention
Public adjusters streamline the claims process by:
- Conducting comprehensive damage assessments
- The preparation and filing of necessary documentation
- Managing communication with insurance companies
- Negotiating settlements on behalf of policyholders
- Ensuring compliance with policy terms and deadlines
Public adjusters particularly benefit policyholders through:
- Reducing stress by utilizing professional claim management
- Expediting settlement processes
- Offering 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.
Can I File My Insurance Claim Myself In South Carolina?
Although policyholders are entitled to file insurance claims on their own, data from industry experts suggest that this strategy may not provide the best 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 have important advantages to the claim process:
-
- Professional Documentation and Assessment – Public adjusters thoroughly document damages, and create comprehensive claim files, and handle all necessary paperwork, ensuring nothing is overlooked.
- Time and Stress Management – These professionals handle all communications with insurance companies and homeowners can concentrate on recovery while speeding the process of filing claims.
- Expert Negotiation – With a vast understanding of the insurance policies and rules, public adjusters negotiate directly with insurance companies to secure fair settlements.
- Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, typically ranging from 10-20 percent 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 process of settling claims. Their expertise can be useful in complicated claims or when significant damages are involved.
Statistics from the industry indicate that professional representation by state-licensed public insurance claims adjusters leads to better outcomes for policyholders, with faster processing time, and more comprehensive settlement packages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
In South Carolina, Can My Contractor Represent Me Against My Insurance Company?
Although contractors frequently offer to negotiate with insurers, this method can come with some significant risks and limitations. According to the National Association of Insurance Commissioners (NAIC), contractors lack the legal authority and expertise to act as official representatives in insurance claim negotiations.
This restriction could dramatically affect the outcome of a lawsuit and potentially affect the rights of the insurance company.
Departments of insurance in each state oversee licensed public adjusters, who go through extremely specialized training, must pass Federal background checks, & 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 don’t possess … which makes them the legal and comprehensive alternative to representation by contractors.
Public Adjusters specialize in interpreting insurance policies, assessing damages, and negotiating with insurance companies to guarantee equitable claim compensation.
Public adjusters provide several distinct advantages, including:
- Expert claim documents and filing
- Professional negotiation with insurance carriers
- Comprehensive damage assessment
- Expedited claim processing
- Stress reduction through total claim management
The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public insurance claims adjusters need to maintain professional licenses and follow strict ethical standards, providing an additional layer of consumer protection not available with contractor representation.
For more complex claims for complex claims, public adjusters’ expertise in interpreting policies, document demands and negotiation strategies frequently is invaluable, and can help avoid costly mistakes and claims denials that might occur with negotiation led by contractors.
Disclaimer: Some Services Are Not Available In All Areas. Contingency fees are not available in Louisiana.
I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Get More?
If insurance settlements are not sufficient to compensate for damages to property, the policyholder has a variety of legal options to seek additional compensation, even 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 payment.
The timing and circumstances for seeking additional compensation are crucial elements, as most insurance policies include specific deadlines for claims disputes as well as appeals, generally between one and two years after the settlement date.
Licensed public insurance adjusters are vital in re-assessing settled claims and identifying previously missed damages. Public adjusters conduct thorough property assessments, document any additional damage, and negotiate with insurance carriers for policyholders.
Key steps for pursuing additional compensation are:
- Document newly discovered damages
- Review the policy terms and settlement agreements
- Gather supporting evidence and estimates
- Retain professional representation from a state-licensed public insurance claims adjusters
The National Association of Public Insurance Adjusters (NAPIA) stresses that public adjusters can often identify overlooked damages and policy provisions that allow for additional compensation. Their knowledge of the interpretation of policies and claim valuation is particularly useful when challenging settled claims.
The policyholder should act promptly after discovering inadequate settlement amounts, since delay could hinder 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. The use of contingency fees is not permitted in Louisiana.
Why hire a Public Insurance Claims Adjuster In South Carolina if the insurance company already sent an adjuster?
The decision to hire a state-licensed public insurance claims adjuster, even when an insurance company has assigned its own adjuster, can greatly affect the outcome of an insurance claim.
Although 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) emphasizes that these state-licensed & regulated adjusters operate independently to ensure fair settlements of claims and complete coverage interpretation.
Public adjusters streamline the claims process by coordinating documentation, conducting thorough damage assessments and handling all communication with insurance companies. This type of professional intervention usually speeds up claim resolution and reduces homeowners burdens on administrative tasks.
The benefit of public adjusters also goes beyond financial benefits. They offer professional guidance through the entire claims process, guiding clients through complex policy terms and ensuring the damage is documented and assessed.
They make precise damage estimates, gather the necessary evidence, and deal directly with insurance companies to maximize settlement outcomes.
The process of settling insurance claims is complex and time-consuming and require a professional’s assistance, which makes their representation essential during major loss events. Public adjusters’ expertise in policy interpretation and negotiation often results in more comprehensive settlements that cover the obvious as well as hidden damages.
Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.
Can My Insurance Company Cancel My Contract If I Use a Public Adjuster In South Carolina?
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.
An insurance terms glossary 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 depreciation, and Additional Living Expenses (ALE) Insurance Coverage, which cover necessary living costs when a home is uninhabitable.
For example, understanding your home insurance policy declaration page, common deductibles for various kinds of home damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential homeowners insurance definitions 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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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
Discover How South Carolina Public Claims Adjusters Can Get You More From These Types Of Property Damage Insurance Claims
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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Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.
More About South Carolina
South Carolina | |
|---|---|
| Nickname: The Palmetto State | |
| Motto(s): | |
| Anthem: “Carolina“ “South Carolina on my Mind“ | |
 Location of South Carolina within the United States | |
| Country | United States |
| Before statehood | Province of South Carolina |
| Admitted to the Union | May 23, 1788 (8th state) |
| Capital | Columbia |
| Largest city | Charleston |
| Largest county or equivalent | Greenville |
| Largest metro and urban areas | Greenville (combined and metro) Columbia (urban) |
| Government | |
| • Governor | Henry McMaster (R) |
| • Lieutenant Governor | Pamela Evette (R) |
| Legislature | General Assembly |
| • Upper house | Senate |
| • Lower house | House of Representatives |
| Judiciary | South Carolina Supreme Court |
| U.S. senators | Lindsey Graham (R) Tim Scott (R) |
| U.S. House delegation | 6 Republicans 1 Democrat (list) |
| Area | |
• Total | 32,020.49 sq mi (82,932.7 km) |
| • Land | 30,060.70 sq mi (77,856.9 km) |
| • Water | 1,959.79 sq mi (5,075.8 km) 6.12% |
| • Rank | 40th |
| Dimensions | |
| • Length | 260 mi (420 km) |
| • Width | 200 mi (320 km) |
| Elevation | 350 ft (110 m) |
| Highest elevation | 3,560 ft (1,085 m) |
| Lowest elevation (Atlantic Ocean) | 0 ft (0 m) |
| Population (2024) | |
• Total |  5,478,831 |
| • Rank | 23rd |
| • Density | 170.27/sq mi (65.74/km) |
| • Rank | 19th |
| • Median household income | $67,800 (2023) |
| • Income rank | 41st |
| Demonyms | South Carolinian |
| Language | |
| • Official language | English |
| • Spoken language | |
| Time zone | UTC−05:00 (Eastern) |
| • Summer (DST) | UTC−04:00 (EDT) |
| USPS abbreviation | SC |
| ISO 3166 code | US-SC |
| Traditional abbreviation | S.C. |
| Latitude | 32°02′ N to 35°13′ N |
| Longitude | 78°32′ W to 83°21′ W |
| Website | sc |
| List of state symbols | |
|---|---|
 | |
 | |
| Living insignia | |
| Amphibian | Spotted Salamander |
| Bird | Carolina Wren |
| Butterfly | Eastern Tiger Swallowtail |
| Dog breed | Boykin Spaniel |
| Fish | Striped bass |
| Flower | Yellow jessamine |
| Insect | Carolina mantis |
| Mammal | White-tailed deer |
| Reptile | Loggerhead sea turtle |
| Tree | Sabal palmetto |
| Inanimate insignia | |
| Beverage | Milk |
| Dance | Carolina shag |
| Food |
|
| Fossil | Columbian mammoth (Mammuthus columbi) |
| Mineral | Amethyst |
| Rock | Blue Granite |
| Shell | Lettered olive |
| Other | Hogna carolinensis |
| State route marker | |
 | |
| State quarter | |
 Released in 2000 | |
| Lists of United States state symbols | |
South Carolina ( KARR-ə-LY-nə) is a state in the Southeastern region of the United States. It borders North Carolina to the north and northeast, the Atlantic Ocean to the southeast, and Georgia to the west and south across the Savannah River. Along with North Carolina, it makes up the Carolinas region of the East Coast. South Carolina is the 40th-largest and 23rd-most populous U.S. state with a recorded population of 5,118,425 according to the 2020 census. In 2019, its GDP was $213.45 billion. South Carolina is composed of 46 counties. The capital is Columbia with a population of 136,632 in 2020; while its most populous city is Charleston with a 2020 population of 150,227. The Greenville-Spartanburg-Anderson, SC Combined Statistical Area is the most populous combined metropolitan area in the state, with an estimated 2023 population of 1,590,636.
South Carolina was named in honor of King Charles I of England, who first formed the English colony, with Carolus being Latin for “Charles”. In 1712 the Province of South Carolina was formed. One of the original Thirteen Colonies, South Carolina became a royal colony in 1719. During the American Revolutionary War, South Carolina was the site of major activity among the American colonies, with more than 200 battles and skirmishes fought within the state. South Carolina became the eighth state to ratify the U.S. Constitution on May 23, 1788. A slave state, it was the first state to vote in favor of secession from the Union on December 20, 1860. After the Civil War ended, the state was readmitted to the Union on July 9, 1868.
During the early-to-mid 20th century, the state started to see economic progress as many textile mills and factories were built across the state. The civil rights movement of the mid-20th century helped end segregation and legal discrimination policies within the state. Economic diversification in South Carolina continued to pick up speed during and in the ensuing decades after World War II. In the early 21st century, South Carolina’s economy is based on industries such as aerospace, agribusiness, automotive manufacturing, and tourism.
Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.