Insurance Claim Adjusting

What exactly is a public adjuster, and why would I need one? +

Think of us as your personal advocate when dealing with your insurance company. While your insurance company has their own adjusters working to minimize what they pay out, we work exclusively for you to make sure you get every dollar you’re entitled to under your policy. We’re licensed professionals who understand the fine print in insurance policies and know how to properly document and present your claim. Most people don’t realize that you have the right to hire your own adjuster, and doing so often results in significantly higher settlements than if you go it alone.

How much do your services cost, and when do I pay? +

We work on a contingency basis, which means you don’t pay us anything upfront. We only get paid when you get paid, and our fee comes as a percentage of your final settlement. This typically ranges from 10-20% depending on the complexity of your claim. If we don’t recover money for you, you don’t owe us anything. We believe this aligns our interests with yours – we’re motivated to get you the best possible outcome because that’s how we get paid too.

How long does the whole process usually take? +

Every claim is different, but most residential claims take anywhere from 30 to 90 days from start to finish. Commercial claims or those involving significant damage can take longer. We’ll give you a realistic timeline after our initial assessment of your property and policy. What we can promise is that we’ll keep you updated every step of the way, and we’ll work as quickly as possible while still being thorough. Remember, a slightly longer process that gets you a fair settlement is better than a quick one that leaves money on the table.

What types of property damage claims do you handle? +

We handle virtually all types of property damage claims – fire, water damage, wind and hail, hurricanes, theft, vandalism, and more. Whether you’re a homeowner dealing with a kitchen fire or a business owner facing storm damage, we have the expertise to help. We also handle both first-party claims (damage to your own property) and some liability issues. If you’re not sure whether we can help with your specific situation, just give us a call. Our initial consultation is always free, and we’ll be honest about whether we’re the right fit for your claim.

Can’t I just work directly with my insurance company? Do I really need a public adjuster? +

You absolutely can work directly with your insurance company, and sometimes that works out fine for smaller, straightforward claims. However, insurance companies are businesses focused on their bottom line, and their adjusters work for them, not for you. Studies show that policyholders who hire public adjusters typically receive settlements that are 747% higher than those who go it alone. We know how to read policies, document damage properly, and negotiate effectively. Think of it this way – you wouldn’t represent yourself in court for a serious legal matter, so why navigate a complex insurance claim without professional help?

What can I expect when I work with Pythe Navis MDP? +

First, we’ll meet with you for a free consultation to assess your damage and review your insurance policy. If we take your case, we’ll conduct a thorough inspection of your property, document everything properly, and prepare a detailed claim presentation. We handle all communication with your insurance company, so you don’t have to deal with the back-and-forth. We’ll negotiate on your behalf and keep you informed throughout the process. Our goal is to take the stress off your shoulders while maximizing your settlement. You’ll have direct access to your adjuster, and we’ll explain everything in plain English.

How do I know you’re qualified and legitimate? +

Great question – you should always verify credentials before hiring any professional. We’re fully licensed public adjusters in good standing with the state insurance department. You can verify our licenses online through the state’s website. We carry professional liability insurance and are members of professional organizations like the National Association of Public Insurance Adjusters (NAPIA). We’re happy to provide references from past clients, and you can check our reviews online. We’ve been helping property owners in this area for years, and our track record speaks for itself. Don’t hesitate to ask us about our experience with claims similar to yours.