What is a public adjuster, and how do they differ from an insurance adjuster?

A public adjuster works for you, not the insurance company. They help you file and negotiate claims to get a fair payout. Insurance adjusters, on the other hand, work for the insurance company and try to minimize the amount they pay you.

Do I need a public adjuster?

If your insurance claim is large, complicated, or has been denied, a public adjuster can help make sure you get the full amount you’re entitled to. They also save you time by handling paperwork and negotiations.

How do public adjusters get paid?

Most public adjusters work on a contingency fee, meaning they take a percentage (usually 5–15%) of the final claim payout. You don’t pay anything upfront, and they only get paid if you do. But here at Anderson Bettencourt we are very flexible and can develop custom payment plans for every case.

How long does the claim process take?

It depends on the complexity of the claim. Simple cases may take a few weeks, while complex commercial or high-value claims can take months. Public adjusters work to speed up the process as much as possible.

Can I file a claim on my own without a public adjuster?

Yes, you can, but you may not get the maximum payout. Insurance companies have experts working for them, so having a public adjuster on your side levels the playing field.

How much more can a public adjuster get me compared to my insurance offer?

On average, policyholders who use public adjusters receive significantly higher payouts—often 30–70% more—because adjusters know how to document losses and negotiate effectively.

When should I hire a public adjuster? Right after a loss or later?

It’s best to hire one as soon as possible, ideally before filing the claim. They can help gather the right documentation and prevent mistakes that could hurt your claim.

How can a public adjuster help my business recover from a large-loss claim?

They make sure your claim covers not just repairs, but also business interruption losses, temporary relocations, and hidden damages. They negotiate aggressively to get you the highest settlement possible.

What types of business claims do public adjusters handle?

They handle claims for fire, floods, storms, theft, vandalism, business interruption, and equipment damage. They also help with complex claims involving multiple locations or supply chain disruptions.

How do I know if my business is underinsured?

If your policy doesn’t cover all potential risks (like floods or business interruption), or if your coverage limits are too low, you may be underinsured. A public adjuster can review your policy and help identify any gaps in coverage.

Insurance Companies Have Experts
Fighting Against You

Insurance Companies Have Experts Fighting Against You

You Should Have Experts Fighting for You

You Need Experts Fighting for You

We’ve worked inside the insurance industry for 80+ years combined.

Now, we use that expertise to fight for you with proven strategies to secure the full, fair payout you’re owed.

Why Work With Anderson Bettencourt

The Insurance Industry is Stacked Against You.

We Even the Playing Field

Insurance companies use complex policies and delay tactics to avoid paying full claims.

We fight back with legal partners, experts, and assertive negotiations to secure what you’re owed.

What Makes Anderson Bettencourt Different?

Unlike standard public adjusters, we have the experience, resources, and legal insight to get higher settlements, faster.

Typical Public Adjusters

5–10 years of experience, mostly small residential claims
Focus on standard, low-value residential claims
Rely on insurer’s vendors who aim to minimize payouts
Limited knowledge of legal precedent or case law
Often accept insurer’s first offer to close faster
Rarely address business losses or complex valuations
Miss critical coverages in basic policy reviews
No pre-loss planning—reactive only after damage
Settlements often fall short due to weak negotiation
Clients report delays and poor communication

Anderson Bettencourt

Led by former insurance CEOs with 80+yrs of experience
$200K–$5M+ commercial & luxury claims experts
Backed by legal teams, engineers, and forensic experts
Built on legal strategy, evidence, and expert reports
Proven track record overturning denials and low offers
Quantify lost revenue and operational business impact
Identify hidden policy benefits and loopholes
Provide pre-loss planning to prevent future risks
2–5× higher settlements through expert strategy
Fast, transparent, and deeply responsive team

Testimonials

We’ve Secured Millions for Policyholders Like You

After a fire at my cottage left a lingering smoke smell despite insurance repairs, I knew to call a Public Adjuster when my barn later caught fire. Susan at Anderson Bettencourt helped me avoid a co-insurance penalty and secured a major settlement for my damaged crop and a full barn replacement.

Anderson Bettencourt truly cares about their clients. With deep insurance industry knowledge, Susan explains every option clearly, stands firm against insurers, and ensures you collect all the money owed. Whenever I face insurance issues, I want Susan on my side!

After a major fire at my parents' home, the insurance company delayed payment for nearly a year, claiming ongoing investigations. Hiring Anderson Bettencourt was the best decision — Susan has been a true angel, keeping us informed and fighting for us. We've already recovered far more than we ever expected, and she’s still pushing for more so we can rebuild. We’re incredibly grateful we found her.

I’m a medical professional paying high home insurance. After wrongly blaming my autistic son for a fire, my insurer denied my claim. Anderson Bettencourt fought hard, overturned their decision, and helped me recover nearly $2 million — and I haven’t even begun rebuilding. They’re truly the best.

// Who We Help \\

We specialize in securing higher settlements for:

Commercial

Offices, hotels, retail spaces,
multi-unit buildings
and more

Residential

High-value estates, smart
homes, premium properties
and more

Industrial

Structural damage, equipment
loss, roof collapse,
and more

Farms

Crop loss, livestock
& barn damage, crop
disruptions and more

Find Out How We Can Help—Schedule a Free Consultation

Our Process

Our proven process ensures that insurance companies pay what they owe—quickly and fairly.
Here’s how we take over your claim and maximize your claim:

Free Consultation
Damage and Loss Assessment
Negotiation and Claim Filing
Maximum Settlement Secured

Free Consultation

We provide a no-cost consultation so you know exactly where you stand.
We analyze your policy for hidden loopholes that insurers may use to limit your payout.
We review your insurance company’s initial offer to identify undervaluations.
We assess coverage limits, exclusions, and policy language to structure a strong claim.

Get in Touch

Claims coordinator speaking on phone while managing client file on laptop

Damage and Loss Assessment

We work with world class engineers, valuation experts, and industry specialists to get an accurate assessment.
We document all visible and hidden damages that insurers often overlook.
We quantify losses beyond physical damage, including business interruption & lost income.
We prepare detailed reports with evidence-based valuations to maximize your claim.

Get in Touch

Negotiation and Claim Filing

We challenge lowball offers, denials, and delays using legal-backed strategies.
We handle all insurer communications and paperwork so you don’t have to.
We present indisputable evidence to counter insurance company pushback.
We escalate claims when necessary, including mediation, arbitration, or appraisal.

Get in Touch

Maximum Settlement Secured

We ensure you receive every dollar you’re owed based on policy entitlements.
We finalize all legal and financial paperwork for a seamless settlement process.
We negotiate final terms to secure the highest possible payout.
We don’t stop fighting until your claim is fully paid.

Get in Touch

Your Insurance Claim is Time-Sensitive
Don’t Wait Until It’s Too Late

Your Insurance Claim is Time-Sensitive Don’t Wait Until It’s Too Late

We only get paid when you do—no risk, only results.

We take on a limited number of cases per month.

Don’t let insurers delay your payout—schedule your free consultation now.

Frequently Asked Questions

? Can a public adjuster help speed up the claims process?

Yes. They ensure all documents are submitted correctly, push the insurer for faster responses, and handle all negotiations to avoid unnecessary delays.

? How do public adjusters negotiate with insurance companies?

They use industry data, damage assessments, and legal knowledge to challenge lowball offers. They also bring in specialists like engineers or accountants if needed.

? What happens if my claim is denied?

If your claim is denied, a public adjuster can review it, find errors or missing information, and help you file an appeal. Many denied claims are overturned with the right evidence and argument.

? Can you reopen an old insurance claim?

Yes, in many cases, if you believe you were underpaid or the insurance company overlooked damages, you can reopen the claim. Public adjusters can help with this, but there are time limits based on your policy and location.

? Does hiring a public adjuster delay my claim?

No. In fact, public adjusters often speed up the process by managing paperwork, following up with insurers, and making sure everything is submitted correctly the first time.

? What documentation do I need to strengthen my insurance claim?

You need photos, videos, receipts, repair estimates, financial records (for lost income claims), and any communication with the insurance company. A public adjuster helps organize and submit this.

? How do public adjusters charge for commercial claims?

They usually charge 5–15% of the final settlement, depending on the size and complexity of the claim. For large commercial claims, their fee may be lower due to high claim amounts.

Still have questions?

Insurance Companies Have Experts
Fighting Against You

Insurance Companies Have Experts Fighting Against You

You Should Have Experts Fighting for You

You Need Experts Fighting for You

The Insurance Industry is Stacked Against You.

What Makes Anderson Bettencourt Different?

Typical Public Adjusters

Anderson Bettencourt

Testimonials