What is a Public Adjuster?

A public adjuster showing documents to happy clients

National Claims Service is a Licensed Public Adjuster & Appraiser Firm. An independent, or insurance company adjuster, represents only the insurance company. Public adjusters on the other hand are sometimes referred to as private adjusters or Licensed Public Adjusters. Public Adjusters are licensed by the state to exclusively represent policyholders.

Public adjusters represent homeowners, business owners, landlords and property managers. The State of Michigan and the Michigan Department of Licensing and Regulatory Affairs allows you to retain the services of public adjusters. Public Adjusters are required to be licensed by the state and represent the policyholder/the insured only. Contacting a Public Adjuster can make all the difference in obtaining the highest settlement versus getting only what the insurance company wants to pay.

A public adjuster prepares the complicated building, contents and loss of use claim required by insurance companies. We prove the value of the loss and negotiate the maximum settlement on your behalf. With our services, you receive an immediate inspection of the loss site, analysis of the damages, assembly of the claim support data, review of the insurance coverage, determination of current replacement costs, and other exclusive services for you, the policyholder. Public adjusters level the playing field with the insurance company because we are an advocate for you. This approach is the opposite of an independent adjuster or insurance company adjuster who represents only insurance companies’ interest and to maximize their company’s profits. The services we provide you are many-faceted and include:

A full analysis of your insurance policy and how it affects both the amount of your loss and the necessary functions to properly prove your loss. The proper handling of your rights and obligations under the terms of your insurance contract is essential to a favorable claim outcome.

Determination of the quantum of loss including analysis as to how the categorization of different types of property can be used under policy terms/definitions to affect the greatest dollar recovery for you.

Determination of the loss in highly specialized areas of coverage such as business interruption insurance, valuable papers and records coverages, and additional extensions of coverages you may not even know you have!

Retaining National Claims Service, who is a team of professional claims specialists, puts you on a level playing field with the insurance company and their experts.

Why Hire Us?

The passionate pit bull of licensed public adjusters

No matter the crisis, you can rely on the professionals at National Claims Service to assist with the entire claim process. We work with homeowners, business owners, renters, landlords and property managers with disasters such as fire, water, tornado, hurricane, frozen pipes, and vandalism.

We understand the stress and anxiety disasters cause at home or work. Our job is to relieve that stress so you can focus on what matters most—your family and career. As your advocate, we fight aggressively with knowledge and skilled negotiating tactics to ensure you receive everything you’re entitled to. We never will settle your claim for less than you deserve because you must approve the settlement. We handle the heavy lifting, so you can focus on your family or business. That’s the service we provide as your public adjuster.

checklist online document practices policies concept

We Handle Claims for
All Types of Property Damage

  • Fire & Smoke Damage
  • Lithium Battery Fires
  • Water & Frozen Pipe Damage 
  • Storm & Hail Damage
  • Hurricane & Tornado Damage
  • Vandalism

Fire

Frozen Pipes

Vandalism

Water

Hurricane

Tornado

Take the First Step Toward Maximizing Your Settlement

Don’t settle for less than you deserve.

Whether you’re facing property damage or an unfair settlement offer, we’re here to help. Our expert public adjusters handle the claims process so you can focus on moving forward.

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