Your Advocates Against Unfair Insurance Claims Practices

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What is a Public Insurance Adjuster and Why Hire Us?

A public adjuster is an insurance claims adjuster who is employed by the policyholder for appraising and negotiating an insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during the insurance claim process. The Ohio Department of Insurance regulates and licenses all public adjusters that do business in the state of Ohio.

The adjuster cannot provide any repair or replacement services for the insured, other than assisting in the reconciliation of the claim with the insurer. The cost of hiring a public adjuster varies but fees typically cost between 5 and 15% of the settlement offer.

There are more than 150 public adjusters licensed to do business in Ohio. A public adjuster can assist with claims dealing with but not limited to flood, fire, wind damage, vandalism or theft, and business interruption. Public adjusters can:

  • Provide assistance for large or total losses – A public adjuster can provide inventorying and documentation services if the insured would desire such assistance.
  • Provide assistance for business-related losses – A public adjuster could assist in the claims filing and documentation process if the insured business owner has difficulty juggling the demands of business recovery and the claims process.

We Protect The Insured


Far too often people will “humanize” a corporation because they like or have positive history with the company’s representative. Take your insurance agent as an example. Insurance companies know you are more likely to feel satisfied purchasing a policy from someone who makes you feel good about being in business with them, right? So they allow community members to purchase a franchise location under the carrier brand name. When it’s time to buy, you want to purchase from your neighbor who is backed by a big name insurance company with a long history in the industry. Makes perfect sense.

What no one tells you is the business statistics behind your choice. The fact of the matter is, the only time you will interact with your insurance company is when it comes time to buy/renew your policy – or – when you have a claim.

Your insurance claim is not handled by your friendly neighbor, “Fred.” It is handled by a member of the Claims department who (1) has never met Fred, (2) doesn’t live in the same neighborhood as you or Fred, and (3) is too busy to care what Fred thinks or says!

We live in a digital age where one only has to make a quick search online to find case after case of community members just like yourself who have been underpaid or had their claim denied unfairly!

Why not hire an ally against the insurance company’s habitual unfair claims practices before you become a name in someone else’s online search?

These are the facts according to the Ohio Department of Insurance when it comes down to how much these companies take in every single year! We’ll just list the Top 10 companies here but feel free to research the data for yourself. The ODI website lists the top 50: 2019 Ohio Homeowners Insurance Complaint Ratios. 

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Public Insurance Adjusters Know the Law And We Work To Make Sure Insurance Pays All Benefits You Are Due

When you suffer damages to your property, does your insurance company have any personal stake in your total recovery? No!

When you are unable to live in your home or continue doing business as usual because extensive repairs are needed … does the insurance adjuster have any personal stake in making you whole? No!

When you have to commute back and forth to your property to be available for multiple random inspections, does your policy provide any protection for lost income or for your personal time? No!

Everyone involved in your insurance claims process goes about their day as usual and gets a full paycheck regardless of whether you have been made whole — including your agent. But we share the same personal stake in your fast and total recovery because we don’t get paid unless you do!

Public Insurance Adjusters work on a contingency basis in nearly every state. That means we work hard to recover on your behalf and we only take on claims that have legal merit. 

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Satellite office in KY

Green Public

Insurance Adjusting

Is now in Kentucky & Tennessee serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.

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