Frequently Asked Questions
For policyholders seeking to safeguard their interests during the insurance claim process, the choice of employing Public Adjusters, also referred to as Public Insurance Adjusters, is a powerful tool. These licensed professionals, possessing expertise in handling property loss insurance claims for both individuals and businesses, work solely for you. Even though your Insurance Company may have designated its own Adjuster to your claim, the essential distinction lies in the complete independence of Public Adjusters. Free from any ties to insurance companies, they exclusively champion your interests when dealing with your Insurance Company and their Adjuster. Trusting in a Public Adjuster is entrusting in an ally devoted to advocating for your rights and interests.
Each state’s Department of Insurance sets the rules for billing and fees, which can result in varying costs for public adjusters (feel free to reach out for more specific information). Rather than an hourly or fixed service fee, we typically earn a small percentage of your recovery settlement (usually around 10% of the loss, as determined by state statute). This signifies that if there’s NO RECOVERY, there are NO FEES. Therefore, you won’t be indebted to us if D.C. Hogan & Associates fails to procure a settlement for your claim. We commit to making EVERY possible effort to ensure you obtain the largest payout permissible under your insurance policy.
With more than 15 years of experience serving homeowners and business owners, D.C. Hogan & Associates stands as a dedicated, full-time adjusting firm. We specialize in managing a wide array of insurance claims. Our in-depth knowledge of the insurance claims process, gleaned from personal experience, empowers us to navigate it effectively. Be confident in our unwavering commitment; we champion your claim with the same fervor and determination that we would apply to our own.
In the realm of insurance, there are three distinct types of Claims Adjusters:
● Staff/Company Adjuster – an employee who serves the Insurance Company
● Independent Adjuster – a contractor hired by the Insurance Company as needed
● Public Adjuster (P.A.) – a professional specifically engaged by the policyholder
It’s important to note that while your Insurance Company may have assigned its own Adjuster to your claim, Public Adjusters like us operate independently, without any affiliations to insurance companies. This independence assures that we act solely in your best interest during all dealings with your Insurance Company and their Adjuster. Trust in our dedication to advocating for your rights.
Although attorneys excel in the domain of legal affairs, public adjusters are specialists SPECIFICALLY in property damage claims. Indeed, attorneys frequently engage Public Adjusters for their proficiency in assessing, estimating, and appraising the scope of loss. Therefore, the professional you need hinges on your requirements. If you seek legal advice, an attorney is your go-to. However, if you require assistance navigating the claims process, don’t hesitate to reach out to us!
Ideally, our involvement in the claims process should commence as early as possible for maximum efficacy. It’s important to acknowledge that various types of claims come with different filing deadlines, which can vary depending on the state. For instance, in many states, policyholders have a one-year window from the occurrence of the damage/incident to file their claim. To understand your state’s specific stipulations and deadlines, connect with us regarding your case. We’re here to guide you through your state’s requirements.
Depending on the time elapsed since your initial claim, you might still be eligible to file a Supplemental Claim with your Insurance Company. Don’t hesitate to reach out to us today so that we can examine and discuss your potential claim options! Your opportunities for recourse might still be open.
Your insurance policy might cater to other non-repair-related expenditures. For instance, many policyholders often overlook that their policy might cover Additional Living Expenses (ALEs). If you’re compelled to seek alternative living arrangements during the repair period, your Insurance Company could reimburse you for these expenses. And that’s just one instance of potential payout avenues that our public adjuster will actively seek out while meticulously reviewing your insurance policy. We leave no stone unturned when it comes to maximizing your claim’s potential.
Contact D.C. Hogan & Associates
Don’t be at a disadvantage when negotiating your claim with your Insurance Company and their insurance adjuster. You need a professional public insurance claim adjuster on your side advocating FOR YOU, the policyholder. Contact us today to learn more about how our public adjusters can help maximize and expedite your insurance claim, and get you the full and fair recovery settlement you deserve when you need it.