Frequently Asked Questions
When you’ve experienced an insured loss you may have many questions about the best way to approach your insurance company, what a public adjuster does and how we can help you.
To help, we’ve assembled some of the most frequently asked questions we’re asked, along with their answers. Please call or email us with any additional questions.
WHAT IS A PUBLIC ADJUSTER?
A public adjuster is a professional, licensed by the State of New York, that property owners hire when they experience property damage. High Peaks Public Adjusters’ primary purpose is to represent you, the insured’s, best interest during a claim to assure you receive your entitled insurance settlement.
WHEN SHOULD I HIRE A PUBLIC ADJUSTER?
You should contact High Peaks Public Adjusters as soon as the damage for which you will file a claim occurs and before you call your insurance company. The earlier High Peaks Public Adjusters becomes involved in the process, the less likely it is that you will feel overwhelmed. High Peaks Public Adjusters works for you, assesses the damage and negotiates with your insurance company.
HOW MUCH DOES IT COST TO HIRE A PUBLIC ADJUSTER?
As High Peaks Public Adjusters only get paid a small percentage of the settlement you receive our payment depends on the amount you receive from your insurance company for your approved claim. Not collecting any fees upfront assures that we are always working with your best interests in mind.
HOW DOES HIGH PEAKS PUBLIC ADJUSTERS KNOW HOW TO CALCULATE MY CLAIM?
As New York State licensed public adjusters we have extensive training and experience in reviewing your property damage and calculating the costs of your repairing and rebuilding project.
HOW LONG WILL THE INSURANCE CARRIER TAKE TO PAY MY CLAIM?
Insurance companies can take up to ninety days to settle claims. This time may be reduced by hiring High Peaks Public Adjusters to manage the claim for you.
WHY SHOULD I HIRE HIGH PEAKS PUBLIC ADJUSTERS?
Navigating an insurance claim is often a stressful and complex process. High Peaks Public Adjusters are experts in navigating insurance coverage, negotiating with insurance companies and maximizing claim settlements. Hiring High Peaks Public Adjusters assures that your claim will receive the attention it requires and prevents insurance companies from denying or underpaying on the settlement.
MY INSURANCE COMPANY ALREADY ASSIGNED AN ADJUSTER; CAN I USE THEM TO SETTLE MY CLAIM?
You can, but the insurance company’s adjuster is an employee of the company. They are trained to look out for the company’s best financial interests, not yours. Hiring High Peaks Public Adjusters is the best way to protect your financial interests. Since High Peaks Public Adjusters are experts at settling claims, we can negotiate a higher settlement than most individuals can accomplish on their own.
CAN I RELY ON MY INSURANCE AGENT TO SETTLE MY CLAIM?
While insurance agents are experts on coverage, in most cases they are not trained to appraise and assign value to property damage. High Peaks Public Adjusters has the necessary education and knowledge to review claims and assign an appropriate value for damage repairs or rebuilding.
I’M NOT SATISFIED WITH MY INSURANCE SETTLEMENT, IS IT TOO LATE TO HIRE A PUBLIC ADJUSTER?
It may not be too late to hire a High Peaks Public Adjusters. If you aren’t happy with your settlement, call us today. We can review the claim, damage, and go back to the carrier as your advocate to negotiate a better outcome.
WILL MY INSURANCE COMPANY CANCEL MY COVERAGE IF I FILE A CLAIM?
It is not likely, but every insurance company is different. If they decide to cancel coverage, you will receive a notice in advance.
About Us
Protecting our clients for over
30 Years
Our dedication to our clients spans over 3 decades. We can help you manage and navigate your insurance during a crisis. Residential and commercial claims for fire damage, frozen pipes, water, wind and weather damage can be complicated. Call High Peaks Public Adjusters for more information on how we can work for you, the policy holder.
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