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.

Residential Property Damage?

We Can Help

We specialize in high-value residential claims where advanced documentation, legal-backed strategy, and elite negotiation make a measurable difference.

Why We Excel in Major Property Claims

Major residential losses require deep expertise in:

Structural damage evaluation
Rebuild and replacement cost documentation
Advanced policy interpretation
Additional living expenses
Disputing lowball estimates
Legal-supported negotiation when needed

These aren’t simple claims, they’re high-stakes, heavily scrutinized files where insurers work aggressively to limit payouts.

As highly experienced adjusters and former insurance company CEOs, we specialize in the unique challenges, disputes, and obstacles that major residential losses face.

If your loss exceeds $250,000, we can help.

We Handle All Major Residential Property Damage

Fire & Smoke Damage
Structural losses, rebuild costs, contents, smoke contamination.
Water & Flood Damage
Burst pipes, basement flooding, appliance failure, sewer backup.
Snow, Ice & Winter Damage
Ice damming, roof collapse, frozen pipe failures.
Arson & Suspicious Fires
Complex investigations, insurer scrutiny, denied or delayed claims.
Mould & Hidden Damage
Long-term contamination, structural risk, insurer pushback.
Electrical & Mechanical Failures
Wide-area systems damage caused by shorts or surges.

Every claim includes full documentation, damage measurement, negotiation, and insurer communication.

Here’s What Insurance Companies Don’t Want You To Know:

Here’s What Insurance Companies
Don’t Want You To Know:

They stall, hoping you’ll settle for less.
They ignore you, hoping you’ll give up.
They deny claims without valid reasoning.
They exploit loopholes to deny coverage.
They shuffle your case to delay progress.
They use vague language to deny/cut claims.
They undervalue damages to reduce payouts.
They pressure you to settle before assessing.
They bury you in paperwork to cause delays.
They blame pre-existing conditions to not pay.

We Make Insurance Companies Pay, Because That’s What You Paid Them For.

You held up your end of the contract. Now, we make sure they hold up theirs.

No Upfront Costs, No Hidden Fees – You Only Pay When You Get Paid.

When your damage exceeds $250K, these tactics can cost you hundreds of thousands of dollars.

Why Homeowners Trust Anderson Bettencourt

Insurance Companies are Experts at Minimizing Claims.

We’re Experts at Maximizing Them.

Unlike standard adjusters, we use legal-backed strategies, advanced damage assessments, and assertive negotiations to maximize your payout.

Our homeowner 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.

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.

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

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

Two professionals shaking hands over a desk with paperwork, coffee, and a laptop, symbolizing agreement or successful negotiation.

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

Close-up of a hand holding multiple Canadian 100-dollar bills in a fanned-out arrangement.

Don’t Let Your Insurer Delay Your Recovery

Frequently Asked Questions

? Will hiring you delay my claim?

No. In most cases, the process moves faster because we prevent insurer delays and ensure all documentation is complete.

? Can you take over a claim I already started?

Yes. Many clients come to us after months of frustration with their insurer.

? Do you work in my province?

Yes — we handle major residential claims across Canada.

? Why do insurers underpay high-value claims?

Because large losses cost them the most. Without advanced documentation and expert negotiation, most homeowners receive far less than they’re owed.

Book Your Free Discovery Call

Residential Property Damage?

We Can Help

Residential Property Damage?

We Can Help

Why We Excel in Major Property Claims

Why We Excel in Major Property Claims

Major residential losses require deep expertise in:

We Handle All Major Residential Property Damage

Every claim includes full documentation, damage measurement, negotiation, and insurer communication.

Here’s What Insurance Companies Don’t Want You To Know:

Here’s What Insurance Companies
Don’t Want You To Know:

When your damage exceeds $250K, these tactics can cost you hundreds of thousands of dollars.

Why Homeowners Trust Anderson Bettencourt

Insurance Companies are Experts at Minimizing Claims.

Testimonials