Get Better Results and Reduce the Stress of Filing a Claim
When property damage happens, most people turn to their insurance company right away, hoping for quick financial relief. While that instinct is completely understandable, it can also lead to costly mistakes. At L & M Public Adjusters, we specialize in protecting policyholders before they accept a low or incomplete settlement. Bringing us in before you file your claim can significantly increase the total compensation you receive.
Why Filing Too Quickly Can Cost You Thousands
Insurance companies are trained to control payouts, not maximize them. Many property owners unknowingly submit claims that are undervalued, incomplete, or improperly documented, giving the carrier an advantage from the start. Even when a settlement is offered, it’s often only a fraction of what the policy truly covers.
Our team reviews every detail of your policy, damage, and documentation, ensuring nothing is missed or dismissed. If you have already received an offer, we can reopen, dispute, or renegotiate the settlement on your behalf.
Accurate Damage Appraisals Backed by Evidence
What makes the difference between an average payout and a full settlement comes down to proof. We handle all measurements, inspections, photographic evidence, and itemized appraisals so your claim is fully supported with:
- Detailed valuation of all damaged property
- Professional scope notes and estimates
- Insurance-standard documentation carriers can’t ignore
This is the kind of evidence that wins claims, and it’s rarely provided when a policyholder files alone.
We Handle the Claim. You Get the Results.
Working with L & M Public Adjusters means you never have to argue with adjusters, chase updates, or wonder if you are being underpaid. We manage the entire negotiation process and push for the maximum settlement your policy allows, not what the insurance company wants to offer.
When you come to us first, your claim is positioned correctly from the beginning. When you come to us later, we fight to fix what the insurance company got wrong. Either way, we work for you, never the insurance carrier.
