1. What does a Public Adjuster do?
A Public Adjuster works directly for YOU, not the insurance company.
We handle the entire claim on your behalf — inspecting, documenting, filing, negotiating, and maximizing your settlement.
Insurance has adjusters working for them.
Smart Choice works for you.
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2. How much does your service cost?
We charge no upfront fee.
We only get paid when you get paid.
Our fee is a percentage of the recovered claim amount — nothing out of pocket.
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3. Why shouldn’t I just handle the claim myself?
Insurance companies have professionals trained to minimize payouts.
Most homeowners miss:
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Code-required items
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Hidden damages
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Underpriced repairs
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Improper depreciation
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Coverage provisions the insurer “overlooks”
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They listen for you to say things that may compromise your claim and uses it against you
We ensure everything you are entitled to under the policy is claimed and paid.
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4. Can you help if my claim is already denied or underpaid?
Yes. We specialize in:
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Denied claims
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Delayed claims
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Underpaid claims
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Claims stuck in negotiation
We reopen claims all the time and correct mistakes made by carriers.
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5. Do you handle claims from the beginning, not just denials?
Yes — and that’s where we get the best results.
Starting early means:
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We control the documentation
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We prevent insurance misclassification
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We ensure the correct cause of loss
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We avoid mistakes that lead to denial
It is always better to call before filing the claim.
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6. What types of claims do you handle?
We handle both residential and commercial:
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Roof damage (wind, hail, impact)
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Water damage
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Storm / hurricane damage
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Fire & smoke
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Mold (when covered)
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Vandalism & theft
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Frozen pipes
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Tree impact
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Flooding (case-dependent)
If it damages your home or business — we can help.
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7. What makes Smart Choice different from other PAs?
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Laser-focused, code-level claim advocacy
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Constant communication — no disappearing
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Strong documentation and negotiation
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Knowledge of carrier tactics
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We treat every claim like it’s OUR home
Our goal is maximum recovery, not minimum effort.
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8. How long does the process take?
The timeline depends on many factors, including:
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The insurance company’s internal processes
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The type and severity of the damage
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How quickly the insurer responds
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Whether the claim is new, underpaid, or previously denied
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Any additional inspections requested by the carrier
Because every situation is different, we never give guaranteed timelines.
What we do guarantee is that Smart Choice pushes the insurer consistently, documents everything thoroughly, and works proactively to keep your claim moving without unnecessary delays.
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9. Why choose a Public Adjuster instead of a contractor?
Contractors cannot negotiate your claim.
It is illegal for them to do so.
A Public Adjuster is the only licensed professional allowed to:
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Negotiate with the insurer
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Interpret policy language
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Advocate for your financial recovery
We manage the claim.
Your contractor handles the repairs.
Both are needed — but they serve different purposes.