Do I need a public adjuster, or can I handle the claim myself?

You can always file a claim on your own, and for very minor losses, it may not be necessary to hire anyone. But for significant damage, fire losses, complex water claims, or any situation where the insurance company's initial offer feels low, having a public adjuster in your corner makes a real difference. We know what insurers look for, what they often leave out, and how to build a claim that holds up. Most clients tell us they wish they had called sooner.