What is a Public Adjuster?
Public Adjusters exist because of the inherent conflict of interest that exists when one person or entity attempts to represent two sides of a financial transaction…
Just as insurance companies have adjusters who work for them to evaluate insurance claims, policyholders have the right to retain their own adjuster to make sure claims are handled properly and settled fairly.
A public adjuster is a licensed professional. To obtain a license, a candidate undergoes a background check, must pass an exam issued by the State of Georgia and have qualified experience in adjusting claims.
Do You need a Public Adjuster? Click To Find Out
Insurance policies can be complex documents and can easily be misinterpreted. Insurance companies have a difficult issue as they attempt to serve two entities: policy holders and shareholders. That means they need to “save money” and therefore they value the worth of many claims and losses at amounts that are often inadequate (only a basic fix) to properly restore properties to the condition they were in before the damages occurred. Having someone on your side that is familiar with both the language of the insurance policy and how those policies are enforced can mean a great deal as to how your claim gets settled.
Commercial/ Business Property
We handle building damage, inventory and merchandise, loss of business income and extra expense, including landlord domain, tenant contract leasing, condominium unit or suite classification, multiple policy coverages, manuscript (custom) specialized contracts, and other related issues.
Insurance Claim Denied?
Has your insurer Under Paid or Denied your legitimate claim of loss and you don’t know where to turn? We can help protect you, your property, and your interests. We can assist with insurance policy review and work directly with the insurer to apply coverage afforded by the policy.
Homeowners/ Residential Property
As Public Adjuster and Insurance Appraiser Services in Georgia and surrounding states, HPAC specializes in Homeowner losses and their insurance claims. We handle structure damages and restoration, personal property loss, displacement, and additional living expenses, including single or multi-family.
Do you need a public adjuster?
If your loss has been denied, we can review it for you.
If your loss has been paid and you are not sure if it is sufficient, we can review it for you.
If you just suffered a loss and you are not sure if it is covered, we can provide valuable insight.
If you suffered a loss and you just want someone by your side every step of the way, we can be there for you.
We here at HPAC pride ourselves on offering services to policyholders where we determine it would be in their best interest. HPAC is willing to work for its fee by taking on claims where there is a genuine need for our expert services. That is why our first consultation is always FREE. We’ll tell you if there is a need for our services or not. We want you to make an informed decision about retaining our services or any other claims advocate.