What Homeowners and Business Owners Need to Know
Filing an insurance claim is far more complex than submitting a form and waiting for a check. Whether you’re dealing with property damage or business interruption, the claims process is full of strict deadlines, required documentation, and policy rules that must be followed precisely. One missed step—or one missing document—can delay, reduce, or even invalidate your claim entirely.
Insurance companies count on policyholders being uninformed or overwhelmed. That’s why having a licensed public adjuster on your side from the beginning can dramatically change the outcome of your settlement.
A Time-Sensitive and Highly Technical Process
One of the most common claim mistakes is waiting too long to file. Many policyholders submit claims at the last minute, unaware that:
- Filing late can disqualify the claim
- Incorrect documents may not be fixable before the deadline
- Insurance companies can deny claims simply due to incomplete or late paperwork
Even once the claim is submitted, the process continues through a long series of inspections, evaluations, negotiations, and yes — delays. Without expert representation, the claim can drag on for months or end in a settlement that is far below what the policy actually covers.
How a Public Adjuster Protects Your Claim
Public adjusters are not employed by the insurance company. Their only job is to protect the policyholder and secure the highest possible settlement under the policy terms.
What a Public Adjuster Does for You
- Files the claim correctly and on time, from day one
- Documents and values the damage with professional reporting and evidence
- Communicates and negotiates with the insurance carrier on your behalf
- Interprets your insurance policy to prevent exclusions and loopholes
- Advocates only for you — never the insurance company
Unlike company adjusters who work to minimize payouts, public adjusters work to maximize them.
Why Choose L & M Public Adjusters?
At L & M Public Adjusters, we bring years of industry experience, professional licensing, and advanced claims technology to every case we manage. Our role is simple: to help you receive the full compensation you’re entitled to — not just what the insurance company decides to offer.
✅ What Sets Us Apart
- Start-to-finish representation — we handle the claim, documentation, inspections, and negotiations
- Advanced estimating technology & software, including Xactimate and high-resolution inspection tools
- Accurate damage appraisals and itemized valuations based on real-world repair costs
- Licensed adjusters who understand policy language, legal timelines, and claim strategy
- A client-first approach — we do not work for insurance carriers, only for policyholders
Whether you need help filing a brand-new claim or disputing an underpaid settlement, our team protects your financial recovery every step of the way.
