Insurance claim help, in plain English
Clear, sourced answers for homeowners and business owners dealing with a property insurance claim: what public adjusters do, what they cost, and what to do when a claim is denied or underpaid.
Start here
What Is a Public Adjuster? What They Do and When to Hire One
A public adjuster is a licensed claims pro you hire to handle your property insurance claim. Learn what they do, what they cost, and when one is worth it.
Public Adjuster vs Insurance Adjuster vs Attorney (Who to Call)
Your insurer's adjuster works for the insurer, a public adjuster works for you, and an attorney handles legal disputes. See who pays and when to use each.
How Much Does a Public Adjuster Cost? Fees, Caps and Math
Public adjusters usually charge 5% to 15% of your claim payment. See state fee caps with statute citations, how to compare offers and how to figure your net.
How to Check a Public Adjuster's License (State Lookups)
Verify a public adjuster's license in minutes using your state insurance department or the NAIC lookup. Plus red flags and what to check in the contract.
Claim denied or underpaid
Insurance Claim Denied? What to Do Next (Step by Step)
Home insurance claim denied? Learn how to read the denial letter, request your claim documents, appeal, use appraisal, file a state complaint and meet deadlines.
Underpaid Insurance Claim? How to Dispute a Low Offer
Insurance claim underpaid or offer too low? Learn how to document damage, get your own estimate, negotiate, use the appraisal clause and track deadlines.
By type of damage
Hurricane and Wind Damage Claims: How to File and Get Paid
How to file a hurricane or wind damage insurance claim: wind vs flood vs storm surge, hurricane deductibles, deadlines, living expenses and when to get help.
Roof and Hail Damage Insurance Claims: A Homeowner's Guide
Filing a roof, hail or wind damage claim? Learn how inspections work, ACV vs replacement cost, wind/hail and hurricane deductibles, matching and depreciation.
Water Damage Insurance Claims: What's Covered and How to File
Is water damage covered by homeowners insurance? Learn sudden vs gradual leaks, burst pipes, mold limits, why flood needs NFIP coverage and how to file a claim.