When disaster strikes your property be it fire, storm, water damage, or vandalism you face an uphill battle. You must assess damage, gather proof, file complex paperwork, and negotiate with an insurer focused on minimizing costs. In this critical moment, a public adjuster acts as your advocate. We work only for you, the policyholder, to secure the full settlement you deserve.
For more than 25 years and over $4 billion recovered, we at Continental Adjusters have guided clients through every step of the claims process. By stepping in early, we level the playing field, document every loss, and press your case with authority. Here’s how we help and why you need us after a property loss.
Why You Need a Public Adjuster
Insurance companies hire in‑house adjusters to protect their own interests. They assess damage, set low estimates, and aim to contain payouts. As a policyholder, you face two problems if you go it alone:
- Uneven Negotiations
Carrier adjusters know policy language, claim tactics, and depreciation rules. Without expert support, you accept their estimates or risk a denial.
- Hidden and Overlooked Losses
Many losses sit below the surface water trapped in walls, mold formation, extra living expenses, or business interruption dollars. Insurers often ignore these items.
A public adjuster joins your side. We:
- Interpret policy language for your benefit
- Document all visible and hidden damage
- Value every loss component correctly
- Negotiate firmly to maximize your settlement
What We Do: Step‑by‑Step
1. Immediate Claim Review
We evaluate your policy and loss details. We clarify your coverages such as replacement cost, extended living expenses, or code upgrades and outline a clear claim strategy.
2. On‑Site Damage Assessment
Within 24 to 48 hours of your call, we visit your property. We:
- Photograph all damage areas
- Note structural and content losses
- Identify hidden issues like mold or water intrusion
3. Detailed Loss Inventory
We build a precise inventory of every damaged item and structure. This includes:
- Serial numbers and unique identifiers
- Purchase dates and receipts
- Photographic evidence of condition and location
4. Scope of Loss Preparation
We assemble a comprehensive scope of work that details repair, replacement, and remediation costs. We include:
- Contractor estimates
- Engineer or specialist reports
- Business interruption calculations, if applicable
5. Proof‑of‑Loss Submission
We draft and submit your proof‑of‑loss form. This legal document, supported by our work, becomes the foundation of your claim.
6. Negotiation and Settlement
We present your claim packet to the insurer. We challenge any low offers or unjust deductions. We push until you receive every valid dollar, then handle final paperwork so you get paid promptly.
Key Benefits of Hiring a Public Adjuster Early
Benefit 1: Advocacy on Your Side
We answer only to you, not the insurer. We fight for policy language that favors your recovery. Our goal is clear: maximize your payout.
Benefit 2: Faster Claim Resolution
By providing full documentation up front, we cut out insurer delays. No more endless requests for more proof. You get paid sooner and resume normal life or operations.
Benefit 3: Complete Loss Valuation
We spot every loss element, from building code upgrades to temporary housing costs. We ensure nothing gets left on the table.
Benefit 4: Reduced Stress and Risk
Handling a large loss claim alone can overwhelm you. We take over all technical tasks, paperwork, and meetings. You focus on recovery, while we manage the claim.
Benefit 5: Contingency‑Based Service
We work on contingency, taking a small percentage only if we increase your settlement. Our success drives your recovery.
How to Engage a Public Adjuster
- Call us immediately– ideally within 24 to 48 hours of your loss.
- Secure and preserve evidence– prevent further damage.
- Share policy and loss details– we review coverages and advise next steps.
- Allow on‑site inspection– we document all damage before cleanup begins.
- Let us manage the claim– we handle paperwork, negotiations, and final settlement.
Your Recovery, Our Commitment
At Continental Adjusters, we know that every minute after a loss counts. Delay can cost you critical evidence and reduce your payout. By involving us early, you gain:
- Rapid mobilization of our expert team
- Full-spectrum documentation of all losses
- Professional negotiation that opposes low‑ball offers
- Clear communication and support through each step
Since 1999, we have secured over $4 billion for clients in more than 40 states. We stand ready to protect your interests and guide you to full recovery.
Why Choose Continental Adjusters
When you face a property loss, you need more than an estimate, you need champions. At Continental Adjusters, we:
- Act immediately– our adjusters deploy within hours of your call.
- Know your policy– we decode every clause to maximize coverage.
- Document meticulously– we leave no loss uncounted.
- Negotiate aggressively– we press insurers for every valid dollar.
- Work on contingency– you pay only if we deliver more.
Don’t leave your settlement to chance. Contact Continental Adjusters today, and let us show you the power of expert advocacy. Your recovery is our priority and we won’t stop until you receive every dollar you deserve.
Frequently Asked Questions
“What if my loss happened weeks ago?”
We can still document remaining evidence, interview witnesses, and review repair logs. But acting quickly preserves more proof and strengthens your claim.
“How do you charge for services?”
We work on contingency. Our fee is a percentage of the recovered amount, payable only if we increase your settlement.
“Can I involve you after I file my claim?”
Yes, but waiting lets the insurer shape the initial estimate. Early involvement gives us control of the narrative and delivers better outcomes.