We Represent The Property Owner,
Not The Insurance Company
Denied, delayed, or underpaid on a property claim? Bellator Claims handles commercial, industrial, school district, municipal and residential claims — and we don't get paid until you do.
Case Study of Commercial Property Client: Trucking Company & Retail Buildings - Jarrett M.
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Licensed Public Adjuster
To say that filing a property insurance claim for damages or losses of your property after a disaster is nerve-wracking is a huge understatement. There are a boatload of requirements and paperwork to fill out and file, and a long and arduous process to go through, only to end up with an amount of money that is way less than you expect or you feel you deserve based on your loss. Unfortunately, many people who fell into this rabbit hole, settle for what their insurance company offers; simply because they don’t want to go through that long and arduous process again.
This is where the importance of having a licensed public insurance adjuster in your corner gets into the picture – to help you through the process and make sure you get the money you deserve.
What is A Public Adjuster?
Like most policyholders, your property is your most prized possession; the most significant investment you will have in your lifetime. Thus, you hold that place in such high regard; you take care of it and protect it with an insurance policy.
However, we don’t know what the future holds, and we certainly don’t have control of Mother Nature. Fire, hail, windstorms, hurricanes, and accidents happen. If you think your insurance company will pay for everything you have lost, you might have to think again.
The truth is, your insurance company exists as a business, not as a charitable organization. And like any other business, they need to make a profit. Thus, their goal is to make money. With that said, they want to pay every insurance claim as little as legally possible. Moreover, they have all the resources and personnel to control (and complicate) the whole process. A licensed public insurance adjuster gives you a chance to fight back and beat them at their own game.
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Case Study of Commercial Property Manager (Hail Damage): Jessica G.
What Is A Public Insurance Adjuster And Should You Hire One?
A licensed public insurance adjuster is an independent insurance professional who will work on your behalf (as the policyholder) to file and process an insurance claim.
Why might you need our services to file an insurance claim, you ask?
Your insurance provider will send out their own adjuster to determine the extent of damage to your property and define the exact amount of compensation you are entitled to, based on the specifics of your insurance policy. That’s how insurance claims work, right? Well, no.
As said earlier, insurance companies are businesses. For the insurance industry to exist, they need policyholders to send money in and pay claims as little as possible. This is a common practice in the insurance industry.
Hiring a public insurance adjuster
Public insurance adjusters are advocates for their clients (the policyholders). Our interest is tied directly to the interest of our clients to get just and full compensation from their claim. Thus, we are more thorough in our damage analysis, and we have the skills, experience, and resources to do so.
Case Study of Commercial Property Owner: John S.
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What Does a Public Adjuster Do?
Public insurance adjusters do a lot of things and wear a lot of hats, their roles include:
- Evaluating and estimating the extent of damages, cost it will take to repair, renovate, or replace damaged properties or structures.
- Help policyholders understand the claim process better.
- File and process the insurance claim from start to finish; submit the requirements, gather the documents, track the process, meet deadlines, and update their clients about anything and everything that concerns their insurance claims.
- Act as a liaison between the insurance provider and third-parties like contractors, vendors, experts, etc.
- Negotiate on their client’s behalf for the best outcome based on their insurance policy.
When Should You Hire a Public Insurance Adjuster?
There is no hard and fast rule on exactly when you should/can hire the services of public insurance adjusters. There are however, circumstances and conditions that make it worth considering, such as:
- If you are about to file a large insurance claim for complex and significant damage to your property (hail, hurricane, other natural disasters, fire damage, water damage, etc.)
- You don’t feel confident in the assessment of your insurance company’s own adjuster.
- You feel your insurance company’s own adjuster underestimated or undervalued your claim.
- You need a professional’s assistance to help you through the complex and long process of an insurance claim.
How To Hire a Public Insurance Adjuster?
If you are thinking of getting the services of a licensed public insurance adjuster, you should:
Ask for their license and qualifications
For your protection make sure you only do business with a licensed public insurance adjuster. That means they should hold a public insurance adjuster license from your state (where the loss has occurred).
Check their references
Speak with their past clients, and ask how the public insurance adjuster or the adjusting firm has helped them with their claim, and how successful they have been in handling and solving their problems.
Don’t get pressured
Make sure you read and understand the agreement before you authorize it.
Case Study of Luxury Property Clients: Art and Nancy
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Public insurance adjusters versus the insurance company and independent adjusters
Many people often interchange public insurance adjusters and independent adjusters, but they are totally different from each other. As said earlier, public insurance adjusters are independent contractors that policyholders hire to work on their behalf and process their insurance claims. Policyholders pay the public insurance adjuster for their services after the insurance claim is completed.
An independent adjuster, on the other hand, works on behalf of the insurance provider. “Independent adjusters” may first sound like exactly what you need, but in reality, these people work for insurance companies, and they legally represent the rights of their employer; the insurance company.
Should I use a public insurance adjuster?
Yes. If you don’t want to go through the large learning curve of assessing and making an accurate and detailed claim for your property damages and losses, fill out a boatload of paperwork and submit tons of requirements, and go through the complex and difficult process of an insurance claim, then yes, you definitely need to hire an experienced public insurance adjuster.
Submitting an accurate, comprehensive, and highly detailed claim is extremely important to get the full amount of payment you deserve for your insurance claim. Experienced public insurance adjusters have the skills and technical know-how about public insurance adjusting; they went through education and training, and they usually receive ongoing continuing education to keep them on top of their game. More importantly, they work on the insured's behalf.
We Are Here to Help:
- Colorado
- Wyoming
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Case Study of Commercial Property Client: Multi-Family HOA
The Takeaway
Hiring a public insurance adjuster can save you a lot of time, energy, and even money. Talk to an experienced public insurance adjuster today and save yourself from the hassle and stress of the insurance claim process.
We Have Proven Results, Let Us Help You!
We're Successful Because We're Tenacious
You deserve to get the money you're owed from the insurance company. It's not your fault the insurance company took your monthly premiums, made promises to help you when you needed it and then left you out in the cold by delaying, denying, or diminishing your claim.
Don't worry if you've been denied or underpaid because we're legally authorized to help you obtain ALL of the money the insurance company owes you. We can reopen a legitimate claim even if it has been months or sometimes years since you were denied or underpaid.
Your suspicions were right... Insurance companies make big money by taking your monthly payments then paying out much less by denying and underpaying claims. Some of the unscrupulous companies' adjusters even get bonuses when they deny your claim because it saves the insurance company money.
If you hate being taken advantage of by your insurance company and you're tired, angry, and frustrated with the outcome of your property claim; contact us now. We will fight for you. We will make the insurance company pay you all of the money that's reasonably due for your legitimate property claim.
Wouldn't you agree that if the insurance company owes you money for a legitimate claim they need to pay you that money, ALL OF IT!?
You may still have options even if your claim has already been denied or underpaid, however; the longer you wait the fewer options you have due to policy limits and state laws. Contact us now before it's too late!
We Fight For YOU, The Property Owner To Get You Up To 963% MORE:
- We Are A Company You Can Trust
- We Document and Prove ALL Damage
- Get Up To 963% MORE With Our Help (Yes, 9x MORE)
- Experts At Claims Resolution - Commercial & Residential
- Licensed By The State of CO & WY
- 97%+ Success Rate For Our Clients, Amazing Results
- We Manage Every Phase Of The Claim So You Don't Have To
- We Don't Get Paid Until You're Compensated For Your Loss
- References Available Upon Request - So Many Happy Clients
- We Negotiate For Your Best Interests & Fight For You
As Public Insurance Adjusters
We Represent The Property Owner, Not The Insurance Company
We Specialize in Wind/Hail, Hurricane, & Fire/Smoke Damage For These Properties:
- Industrial
- Multi-Family & HOAs
- Commercial
- School Districts
- Municipalities
- Residential
Get Your Free Claim Assessment Now!
Case Study of Commercial Property Client: Jesse L.
Appraisal & umpire services for:
- School Districts
- Municipalities
- Multi-Family & HOAs
- Industrial
- Commercial
- Residential
We Also Offer Property Insurance Appraisal Services
Most, if not all, property insurance policies have an Appraisal Clause. When there is a dispute between the insurance company and the property owner regarding the amount of loss during the property insurance claims process, the policyholder/ property owner can invoke their rights under the Appraisal Clause. Contact us today to determine how you should move forward.
Property Insurance Appraisal Request
I Have A Dispute With My Insurance Company
School District Risk Manager: Sam B.
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What Can Bellator Claims Do For You?
Bellator Claims Resolution, LLC is the best solution for various property owners to handle their commercial and residential property claims from Colorado Springs, Denver, and Northern Colorado. Contact us today for your free claim review or call us at one of the numbers above.
Public Adjuster Questions, Answered
What is a public adjuster and why are they needed?
Why should I hire a public adjuster when my insurance company has already assigned me an adjuster?
A public adjuster, on the other hand, will work for you and put your interest first. This means this professional will do everything legally possible to help you get the appropriate compensation based on your insurance policy and damages to your property.
I've already received a settlement check from my insurance company and it was not enough, should I call Bellator Claims?
How are public adjusters paid?
What are the types of claims adjusters?
Company adjusters – these are the adjusters your insurance company provides; they work and get paid by the insurance company.
Independent adjusters – These professionals work for independent adjusting firms and are usually hired by insurance companies on a contract basis. They help insurance companies process claims, but again, they also work for the company.
Public adjusters – these are either freelancers or public adjusting firms that policyholders can hire to settle their insurance claims. Note that the terms private adjusters and public adjusters mean the same, and sometimes both are used interchangeably.