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What is a Public Adjuster?


When it comes to property damage, people often think that their insurance company is on their side, there to protect their assets, their home, and business. The sad reality is that often times, property owners are victimized twice: once by the person or event that caused the loss, and then again by their insurance company.


What is Public Adjuster?

When faced with an insurance claim, the insurance company sends an adjuster to assess damage, investigate the claim, and ultimately determine the validity of the claim. Many property owners believe that these adjusters are sent by the insurance with the client’s best interest at heart. Unfortunately, nothing could be further from the truth; those adjusters sent by your insurance company are there to ensure that the insurance company’s best interests are met. They are not there to represent you. Unlike insurance adjusters, public adjusters are bound by the law to protect you, the property owner, so that not only are your best interests being met, but also so that you may receive the appropriate compensation for your claim.


What Does a Public Adjuster Do?


As public adjusters, it is our job to understand how the law applies to your policy and how your claim can be resolved fairly, thoroughly, and quickly. We do this by:

  • Assessing the damage in the claim thoroughly, examining even those aspects that others miss.

  • Collecting all of the data relevant to your claim and putting it together in a detailed, clear and concise manner, using the information gathered to determine fair and equitable compensation for your claim.

  • Filing all of the claim paperwork timely and accurately to ensure fast processing of your claim.

  • Negotiating terms of the claim with your insurance company so you can continue with your everyday responsibilities while we work extensively to handle your claim.

  • Ensuring the maximum settlement amount for your claim to help you get your property back to the way that it was.


What Types of Claims Can a Public Adjuster Handle?


Our public adjusters can deal with property damage of virtually all kinds, whether it was caused by vandalism, accidents, mishaps, deliberate damage or an act of God.


Do I Need a Public Adjuster?


Yes. Whether you’re a homeowner or a business owner, the fact is that filing a claim and seeing the process through to the end can be tedious, exhausting and frustrating. There are not enough hours in the day to handle the stress of handling an insurance claim and taking care of a family or a business – or in some cases, both.

You need someone on your side who has a better understanding of your insurance policy; someone who understands the applicable provisions in your case, someone who understands the mountains of complex forms and the deadlines and the fine print. You need someone who can effectively and solidly secure a fair settlement in your case, a settlement that is in your favor. After all, why allow yourself to be the victim twice?



L & M Public Adjusters Can Help


Let the public adjusters at L & M help you successfully complete your claim and get your property back to its pre-loss condition. We work in your favor to obtain the appropriate compensation for your claim, no matter what the amount. Call our Rhode Island offices at 401-486-9723 today for a free consultation.


Our Public Adjusters Are Licensed To Assist Businesses & Residents In All of Rhode Island, Including Such Areas As:
  • Providence

  • Cranston

  • Newport

  • South Kingstown

  • Woonsocket

  • Narragansett

  • Warwick

  • Westerly

And All of Connecticut, Including Such Areas As:
  • New London

  • Stonington

  • Norwich

  • Plainfield

  • Putnam

  • Hartford

  • Middletown

  • West Haven

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