Frequently Asked Questions

A public adjuster is a licensed insurance professional who works exclusively for policyholders — not the insurance company. We inspect damage, write estimates, and negotiate with carriers to get your claim paid fairly.

The carrier's adjuster works for the insurance company. Their goal is to settle the claim for the carrier. A public adjuster works for you and has a fiduciary duty to act in your best interest.

If your claim was denied, underpaid, or you're not sure you're getting a fair settlement, a public adjuster can help. We're especially valuable on complex claims where construction knowledge matters — code upgrade coverage, supplement disputes, and multi-trade repairs.

Louisiana is the only state that prohibits contingency-based PA fees (La. R.S. 22:1703). We charge flat fees or hourly rates. This means we're not incentivized to drag out your claim. We discuss fees upfront during your free consultation.

Louisiana law prohibits PAs from charging a percentage of the claim settlement. This structure actually benefits policyholders — your PA isn't motivated to inflate or delay your claim. We get paid for the work we do, not a percentage of the result.

Yes. We review your situation, explain your options, and discuss fees before you commit to anything. There's no obligation.

It varies by carrier and complexity. Simple claims can resolve in 30-60 days. Complex claims or those going to appraisal take longer. We move fast on our end — the timeline usually depends on how quickly the carrier responds.

Yes. You can engage a public adjuster at any point — before filing, during negotiation, after a denial, or even after a partial settlement. Earlier is better, but it's never too late.

Often, yes. Accepting a payment doesn't always waive your right to supplement the claim for additional covered items. We can review your claim and policy to determine if there's room to recover more.

Most insurance policies have an appraisal clause that allows either party to demand an independent appraisal when they disagree on the amount of loss. Each side picks an appraiser, and the two appraisers pick an umpire. It's a dispute resolution mechanism that avoids litigation.

Most PAs come from insurance backgrounds. They know policy language but not building codes. We know both. When a carrier disputes a line item, we cite the specific IRC section, manufacturer installation spec, or OSHA standard that requires the work. Code-backed arguments are harder to deny.

We serve all of Louisiana — New Orleans, Baton Rouge, Lake Charles, Lafayette, Shreveport, Houma, Hammond, Slidell, and everywhere in between.

Our primary focus is residential claims, but we handle commercial property claims as well. Contact us to discuss your specific situation.