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.

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.

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.

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.

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.

Your Claim Strategy Starts Here

Our free consultation gives you clarity, strategy, and a plan — before insurers try to control the narrative. We review your policy, assess damage, and show you how to maximize your claim from day one.

What You Get from a Free Consultation

Policy & Coverage Review
We evaluate your policy line by line to identify coverages, exclusions, and hidden opportunities insurers may overlook.
Damage & Loss Strategy
We discuss what happened, what’s at risk, and how to document losses insurers typically undervalue — before it’s too late.
Claim Positioning Insights
We show you where your claim stands today and what’s needed to protect your rights and maximize your settlement.
Q&A with Experts
You get direct answers from experienced adjusters and claim strategists — not salespeople or customer service reps.
Next-Step Recommendations
Whether we take on your claim or not, you’ll leave with clear guidance, red flags to avoid, and a smarter path forward.

It Pays to Start with Experts

The sooner we’re involved, the more you recover.

Insurance companies build lowball offers into their process, especially early in the claim. We identify undervalued losses, preserve key evidence, and structure the claim from day one to maximize your final payout.

What Happens Next?

We make it simple to take the first step.

After your free consultation, we’ll review your policy, assess the damage, and outline a custom strategy — whether you choose full representation or just need expert advice.

No pressure. No obligation.

What You Can Expect:

Why Businesses & Property Owners
Trust Anderson Bettencourt

Why Businesses & Property Owners Trust Anderson Bettencourt

Insurance Companies are Experts at Minimizing Commercial Claims.

We’re Experts at Maximizing Them.

Unlike standard adjusters, we specialize in high-value and complex claims, using legal-backed strategies and forensic evidence to maximize settlements.

Our clients trust us because:

We win bigger settlements. Our homeowner clients receive 2X–5X more than insurer initial offers.
We handle everything. From paperwork to strong negotiations, we take over so you focus on rebuilding.
We only get paid when you do. No upfront fees, no hidden costs—we win when you win.
We know insurance tactics inside and out. We’ve worked on the inside, and we use that knowledge to fight back.
We have a strong team. Our legal & forensic experts partners ensure maximum compensation.

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

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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

Severely damaged apartment building surrounded by rubble after a catastrophic disaster.

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

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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

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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.

Your Claim is Time-Sensitive.
Don’t Let Your Insurer Delay Your Recovery

Your Claim is Time-Sensitive. Don’t Let Your Insurer Delay Your Recovery

Frequently Asked Questions

? What does the initial consultation include?

We evaluate your insurance policy, walk through the damage or loss, and show you exactly how we can improve your position — before you commit to anything.

? Is there any cost or obligation?

The consultation is completely free, and there’s no pressure to move forward unless you feel confident in our approach.

? What if I’ve already filed a claim or spoken to my insurer?

We can still step in, review your claim, and correct issues before they become costly or have a negative financial impact on you. Most clients come to us well after starting the process on their own, but realize dealing with the insurance company isn't working for them, so having a public adjuster on your side levels the playing field.

? Can you help if my claim has been delayed, denied, or underpaid?

We specialize in fixing those situations. We identify where the insurer fell short and build a stronger case for what you’re truly owed.

? What if I’m not sure whether I even have a claim?

That’s exactly what the consultation is for. We’ll review your damage and policy language to determine if you have a valid path to recovery.

? Do I need any paperwork ready for the consultation?

No preparation needed. If you have your policy or correspondence, great — but if not, we’ll help you track down what’s needed.

? How quickly can you get started after the consultation?

If you decide to move forward, we begin immediately — handling communication, documentation, and strategy from day one.

Still have questions?

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Smiling professional woman reviewing documents with clients during a consultation.

ABOUT COMPANY

Creating a better future for your loved once

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David Hardson

Founder of insur

TESTIMONIALS

What our happy customers are talking about our insurance company

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