Large Claims, Call In The Big Dogs!

• We aren't trying to sound negative, but if you plan to negotiate your own (large) homeowners insurance claim, it is important to understand that the adjusters working for the insurance company are highly trained professionals. They handle claims daily and are experts at minimizing payouts. The higher the claim, the greater the insurance company’s incentive to keep costs down and reduce the payment. Keep in mind that their primary objective is to protect the financial interests of the insurance company—not to assist you. As homeowners, we are at a significant disadvantage against these adjusters, especially when dealing with large claims.
• If you choose to take on your insurance company for a large claim, be sure to document everything. It is best to communicate through email to ensure there is a written record of all interactions. Additionally, never volunteer information that is not specifically requested—remember, claims adjusters are not your allies.
• Handling small claims should go as planned, the insurance company isn't trying to protect their financial assets like they do on larger claims. Also, there is less going on creating less confusion.

• NOTE ***HOI Exposed are not Attorneys nor are we Licensed Public Adjusters.
• NOTE ***At HOI Exposed we accept no responsibility for the advise suggested on this website.
• NOTE ***Please do your own research and understand this website is intended to be helpful and is intended to be used as a guide, not a legal resource.

• IF YOU FEEL ANY RESISTANCE FROM YOUR INSURANCE COMPANY, CALL IN A PROFESSIONAL.  

A public adjuster is a licensed professional who works on behalf of policyholders to assess property damage and negotiate with the insurance company for a fair settlement.

1. Expert in Policy & Valuation – Public adjusters understand insurance policies and how to maximize claims by accurately valuing damages.
2. Negotiation Skills – They negotiate directly with the insurance company’s adjusters, ensuring you don’t settle for less than what you’re owed.
3. Faster Claims Process – A public adjuster streamlines the process, reducing the burden on you.
4. Works on Contingency – They usually work for a percentage of the claim payout, meaning they only get paid if you do.
5. Less Confrontational – Unlike attorneys, public adjusters work within the claims process rather than engaging in legal battles.
6. Prepares Detailed Estimates & Reports – They handle documentation and present a solid case to justify your claim.

An insurance attorney is a legal professional who represents policyholders in disputes with insurance companies, particularly when claims are delayed, underpaid, or denied.

1. Legal Power – An attorney can take legal action if the insurance company acts in bad faith or refuses to settle fairly.
2. Stronger Leverage – The threat of a lawsuit often pressures insurers to pay a fair settlement.
3. Complex Cases – If your claim involves legal issues (e.g., denied claims, ambiguous policy language, fraud accusations), an attorney is essential.
4. Bad Faith Claims – If the insurance company violates the law (e.g., unreasonable delays, misrepresentation, or lowballing), an attorney can sue for damages beyond the claim amount.
5. No Upfront Cost (In Some Cases) – Some attorneys work on a contingency basis, meaning they only get paid if you win.

• If your goal is to maximize your claim payout without litigation, a public adjuster is a great first step. They handle negotiations and paperwork efficiently.
• If your claim has been denied, unfairly delayed, or grossly underpaid, an attorney may be necessary to escalate the case.
• In severe disputes (e.g., accusations of fraud, total losses with significant undervaluation), you might need both—a public adjuster to negotiate and an attorney for legal backup.