Insurance claims are a complex financial transaction. The industry uses various tactics to minimize your settlement and reduce your payout.
We’re here to answer your most important questions so you can make informed decisions, avoid costly mistakes, and maximize your settlement.
Can’t find the answer you’re looking for? Contact us at support@myclaimadjuster.ca
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 to identify gaps.
Yes. They ensure all documents are submitted correctly, push the insurer for faster responses, and handle all negotiations to avoid unnecessary delays.
They use industry data, damage assessments, and legal knowledge to challenge lowball offers. They also bring in specialists like engineers or accountants if needed.
Public adjusters inspect your property thoroughly, looking for structural damage, water intrusion, mold, and other issues that may not be immediately visible.
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.
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.
They ensure your claim covers everything from structural repairs to luxury furnishings, fine art, and custom home features that may be undervalued by the insurer.
Many policies don’t fully cover high-end features like custom pools, smart-home systems, wine cellars, or antiques. A public adjuster helps prove their value in a claim.
They work with appraisers who specialize in high-end assets to ensure you receive fair compensation.
Yes. They can negotiate NDAs (non-disclosure agreements) to keep sensitive information confidential and prevent your claim details from becoming public.
You may need additional policies for high-value assets, cyber protection, climate-proofing, and extended liability coverage for guests and events.
Insurance companies are tightening their policies due to rising payouts from climate disasters. Many claims are denied due to technicalities, poor documentation, or underinsurance.
The top risks are wildfires, flooding, underinsurance, premium hikes, and labor shortages slowing claims processing.
Check with your provincial insurance regulator (like FSRAO in Ontario) to confirm their credentials before hiring them.
Common mistakes include waiting too long to file, missing paperwork, accepting the first offer, and not hiring a professional to review the claim.
Work with a public adjuster experienced in handling high-net-worth clients. Ask about NDAs and ensure sensitive details are not shared unnecessarily.
We provide fact-based reports, damage assessments, and claim documentation to support legal cases and strengthen arguments against insurers.
We work with law firms, qualified engineers, valuation specialists, financial analysts, and restoration experts to ensure claims are fully documented and maximized.
We help resolve claims faster, increase settlement values, and provide expert documentation, making legal cases stronger and ensuring better client outcomes.
Decades of experience, legal-backed strategies, forensic partnerships, and a proven record in $200K–$5M+ claims.
Yes, we assist with bad faith claims, business losses, policy disputes, and denied claims, providing expert reports and claim structuring.
Contact us to discuss collaboration opportunities—we welcome law firms, engineers, and industry professionals dedicated to securing fair settlements.
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.
