FAQ Overview:
Public Adjusters most commonly assist with property damage claims for homeowners and businesses. Situations where your property is damaged and you’re seeking payment under your own insurance policy.
Typical examples include:
Fire and smoke damage (including soot/odor issues)
Water damage (burst pipes, roof leaks, ice dams, basement flood)
Storm and wind damage (fallen trees, wind-driven rain, hurricanes/tropical storms)
Hail damage
Roof damage and interior leaks
Vandalism and theft
Vehicle impact (car into a building)
Collapse or structural damage (when covered by the policy)
Commercial property losses (offices, retail, restaurants, warehouses)
Large or complex claims where scope, pricing, code upgrades, or documentation are disputed
A public adjuster helps by documenting the full scope of damage, preparing a detailed estimate, organizing claim support, and negotiating with the insurer so the settlement reflects what it actually takes to repair or replace what was damaged. This aligns with the Connecticut definition of a public adjuster’s role in preparing, documenting, submitting, and negotiating first-party property claims on behalf of the insured.
Frequently Asked Questions:
What is a Public Adjuster?
A public adjuster is a licensed claims professional who works for you, the policyholder, rather than for the insurance company. They assess the damage to your property, determine the scope of repairs and estimate the replacement value, then negotiate with the insurance company on your behalf. In short, they are your advocate in the claims process.
When should I hire a Public Adjuster?
Consider hiring a public adjuster when your claim is large or complex, when the damage is severe, or when you feel overwhelmed by the claims process. They’re also helpful if the insurance company’s initial offer seems too low or if you’ve had poor claims experiences in the past.
How can Pillar Public Adjusters help me?
As a Connecticut-licensed Public Adjuster, we assist in every step of your claim — from documenting damage and interpreting your policy to negotiating with your insurer — to get you the settlement you deserve and minimize your stress.