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A clearer next step starts on paper.
Use these practical starting points to organize a property claim. They are educational resources, not legal advice, and every policy and jurisdiction should be reviewed on its own terms.
FAQ
Start with the basics.
What does a public adjuster do?
A public adjuster works for the policyholder, not the insurance company. The work can include documenting damage, developing a repair scope, reviewing estimates, organizing claim records, and presenting the loss for evaluation.
When should I ask for help?
Consider an early review when the loss is extensive, the first estimate appears incomplete, several trades or buildings are involved, business income is affected, or the claim has become difficult to scope or value.
What should I review before signing?
Read the written agreement, services, fee structure, communication expectations, and ending terms carefully. Maryland and DC rules include requirements around written contracts and cancellation or rescission rights; confirm current requirements with the applicable regulator or qualified counsel.
Claim-preparation checklist
Keep the file moving.
- Photograph and video affected areas when it is safe to do so.
- Record the loss date, claim number, contacts, inspections, and requests.
- Save mitigation invoices, receipts, temporary-repair records, and related expenses.
- Gather the policy, prior photographs, inventories, plans, leases, and relevant invoices.
- Compare the carrier’s estimate with the work required, including missing areas and trades.
- Keep important questions, decisions, and explanations in writing.
Field notes
Read the guides.
The next file step