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Public Adjusters

What is a PA?

A Public Adjuster (PA) is just like an insurance adjuster, but we work on behalf of and in the best interest of the Homeowner instead of the Carrier. We represent and handle the Homeowner’s insurance claim on their behalf. We file Proof of Loss statements, review the policy for coverage decisions, negotiate with the carrier using the Policy, help with the duties of an Insured after a loss, and coordinate with the other involved parties to ensure the claim gets approved, paid, and completed as quickly and with as much quality and care as possible.
What we dO for you

Public Services

Duties After a Loss

If you didn't already know, you as the Policyholder are required to do a handful of items after you incur a loss to your home or property. If you don't follow or complete them all, your carrier may deny the claim!

Proof of Loss Statement

After a loss, there is usually a Proof of Loss Statement. This document helps give the carrier an overview of the claim and also keeps them to a timeline for coverage decisions.

Prepare Files & Evidence

We will perform a complete walkthrough of the property, note any damages, take photos, gather evidence, building codes and other information necessary to prepare an accurate file for you and the carrier.

Adjuster Inspections

Your carrier will send out an Adjuster to review the damage, scope of work and cost for repairs. We are the one walking and talking to the Adjuster to ensure coverage and proper payment for the scope of work.

Representation

A claim and all of the work that goes into it can easily become a full-time job. We take that heavy load of communication, follow up, research, documentation and negotiations off of your plate and give you the representation and diligence you deserve!

Appraisal, Mediation, Litigation

We prepare all of our files as though they are going to court. We do not usually see this, but we are there for you throughout all of the claim settlement processes, and that is no exception. *We do not represent you in litigation.

Your insurance carrier is not your friend who has your best interest mind. Who's got your back?

Contact Keoni Today

And let him have your back with your insurance company.