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.

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.

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.

How We Work

We Handle Your From Start
to Settlement. So You Don’t Have To.

We Handle Your Insurance Claim From Start to Settlement.

So You Don’t Have To.

Navigating an insurance claim shouldn’t be stressful, time-consuming, or confusing.

Our proven process ensures that policyholders, whether homeowners or businesses, get the maximum settlement they’re entitled to, without the runaround.

We’re The Experts Insurance Companies Don’t Want You to Hire

Gary Anderson and Susan Bettencourt spent their entire careers working in the insurance industry and are now using that experience to hold insurers accountable, securing 2X to 5X higher settlements than what policyholders are initially offered.

Former Insurance Industry Experts
We know the loopholes insurers use to delay, deny, and underpay claims—and we shut them down.
Legal-Backed Strategies
Our close partnerships with top law firms give us an edge in challenging unfair claim decisions.
Fact-Based Damage Experts
We work with engineers, appraisers, and industry specialists to document damages insurers often ignore.
High-Value & Complex Claims Specialists
Unlike standard adjusters, we focus on claims from $200K to $5M+, ensuring maximum recovery.
No Upfront Fees
We Win When You Win – We handle everything, from paperwork to negotiations, and only get paid when you do.

Our Process

We handle every step of your insurance claim, using legal-backed strategies, forensic analysis,

and assertive negotiation to secure the highest possible payout.

Step 1: Free Consultation & Policy Analysis

We uncover the coverage you’re entitled to and identify insurer tactics designed to limit your payout.

We review your policy for hidden benefits and coverage gaps.
We assess insurer correspondence for lowball offers and misleading terms.
We analyze past claims to identify errors, underpayments, or overlooked damages.
We provide a clear roadmap on how we will maximize your claim.

Step 2: Full Damage and Loss Assessment

Insurance adjusters often miss or downplay critical damages. We don’t.

We bring in expert engineers, construction experts, and valuation specialists.
We identify hidden structural damage, water intrusion, and business losses.
We calculate replacement costs based on today’s market—not outdated insurer estimates.
We compile irrefutable evidence to support your claim.

Step 3: Assertive Negotiation & Claim Filing

We take over all communications with your insurance company—so you don’t have to deal with their tactics.

We submit a detailed claim package backed by expert reports and legal precedent.
We challenge every underpayment, delay, or denial with documented proof.
We negotiate aggressively to secure the highest possible settlement.
If needed, we escalate to mediation, arbitration, or litigation support.

Step 4: Maximum Fair Settlement Possible Is Secured

We don’t stop negotiating until you receive the compensation you’re entitled to.

We ensure insurers pay the full claim value—not a fraction of it.
We finalize settlements efficiently to get you paid faster.
We handle all legal and financial documentation for a seamless process.
You receive the payout needed to restore your property or business.

Your Insurance Claim is Time-Sensitive.
Don’t Wait

Why Our Process Is Better Than Filing a Claim Alone

Most policyholders lose money because they don’t know how to challenge insurers.

But We do.

We uncover policy loopholes that insurers use to limit payouts. We build stronger claims backed by forensic reports and trusted industry experts.

We negotiate from a position of strength and on-the-field experience, forcing insurers to pay fairly. We only get paid when you win—no upfront fees, no risk.

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 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

Frequently Asked Questions

? 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 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.

? 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.

? 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.

Still have questions?

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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We hire professionals
you can trust
We promise to provide
upfront pricing

We promise to respect
your time
We promise to provide
upfront pricing