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Allclaims Pro – Gaithersburg Public Adjusters
The insurance claims process is murky and difficult. When you’re trying to navigate it, knowledge is power. The insurance companies, however, have deliberately stacked the process in their favor. Allclaims Pro, however, has built out streamlined processes for advocating for you. Our Gaithersburg public adjusters will represent your interests to the insurance carrier and ensure that you receive what you deserve.
Our job is to guide you through the insurance claim process with competence and ease.
From offering affordable Maryland public adjuster fees to clearly detailing our process to help you file your claim, Allclaims Pro strives to provide you with the best quality public adjusting services.
Our Claims Process: How It Works
Step 1: Contact Allclaims Pro
If you have property damage and need to file a claim, start by contacting Allclaims Pro. Tell us about your property damage and losses and be sure to have property documentation on your policy and information (photos, estimates, etc.) detailing the specific areas of damage.
Step 2: Review Your Policy
Next, our experts will analyze your property damage, insurance policy, and other relevant documentation to determine the best course of action for filing your claim.
Step 3: Find a Solution
After reviewing your policy assessing your property damage, our Maryland public adjuster team will help you find the best solution and work with your insurance provider, and help you every step of the way to file your claim.
Maryland Public Adjuster Fees
Depending on the claim, Allclaims Pro typically works on a contingency basis.
In other words, we collect a service fee if we are able to obtain a settlement for the policyholder. If we are successful in achieving a settlement from the insurance carrier, Allclaims receives a percentage of that settlement.
Because each claim is different (i.e. the type of peril involved, residential or commercial property, the scope of work involved, etc.), the percentage can vary from claim to claim.
To learn more about our fee, you are welcome to contact us to discuss your claim in further detail, and we will be happy to provide a free consultation.
As a Maryland public adjuster, what kinds of claims does Allclaims Pro specialize in?
We specialize storm-related damages: hail, wind, tornado, fire, and water. We also deal with vandalism and theft claims. With numerous public adjusters in various areas of expertise, there aren’t many claims we don’t have experience handling.
Even if we encounter a new type of claim, we are able to get expert opinions on how to handle it.
What makes you different from other public adjusters in Maryland?
We’re one of the few companies with a team of public adjusters. With both inside and field adjusters, each member of our team is licensed and an expert in their field.
While many public adjusters in Maryland operate as a one-man band, we try to be a jack of all trades. We’re always in constant communication with our team, so if one person doesn’t have the answer, we have plenty of other people to talk to and figure out how to handle any claim.
What are some of the things that you like about being a public adjuster in Maryland?
In such close proximity to DC, Maryland is a densely populated area, and gets a high number of storm-related claims.
While there are a fair number of public adjusters in Maryland, there aren’t as many as in other states, so many homeowners still aren’t aware of what public adjusting is.
Fortunately, we’re right around the corner and can offer our expertise to assist and educate Maryland homeowners with their insurance claims.
Are there local laws and/or regulations relevant to public adjusting in Maryland?
Similar to Virginia and West Virginia, Maryland requires that all public adjusters are licensed within the state.
Unlike the other states, however, Maryland building codes are very specific, depending on the county. Many policies have law and ordinance coverage, which is essentially code coverage; and a lot of counties and states specific codes that are required to be followed.
As public adjusters, we review the policy and make sure you have proper coverage for any code related issues. It’s our job to ensure that all damage is brought up to code, it’s brought to the attention of the insurance carrier, and your contractor does the repairs appropriately.
Frequently Asked Questions about Public Adjusting
Can I hire my own insurance adjuster?
Yes; the short answer is yes. Many people don't realize, however, that they actually can have representation on their side of things. Insurance claims are very one-sided, especially if you leave it solely up to the insurance carrier to decide how much money you receive for a claim.
Most states have created the position of a public adjuster, that is, a licensed insurance adjuster who represents you, the public. Our job is to make sure you get a fair settlement and everything that you're owed when filing an insurance claim.
What is the purpose of hiring a public adjuster?
If you pay your insurance company a monthly premium and when you file an insurance claim, they send someone from their company out to decide how much money they're going to give you, it seems a little one-sided. It also opens the door to bias when dealing with an insurance claim. Having somebody that is working on your side and has your best interest at heart is the purpose of hiring a public adjuster.
How do I choose a public adjuster?
The best way to choose a public adjuster is to find someone with the requisite skills and experience to handle your type of claim. It's important that your public adjuster has the competence, proper education (for instance any relevant certifications in roofing or restoration), and experience to handle all sides of your insurance claim.
Allclaims Pro checks all of these boxes.
Additionally, it is always helpful to read their reviews online. Depending on the area of the country you're in, certain public adjusters will handle varying types or amounts of claims. It's best to see how long they've been in business for, what their reviews are, and their experience in handling the specific type of claim that you have. It's very important to vet a public adjuster just like you would any other professional service. You want to make sure that they know what they're doing and have experience in that field of work.
What is the difference between a public adjuster and an independent insurance adjuster?
On the other hand, a public adjuster doesn't work for the insurance companies. Unlike an independent adjuster, they don't represent nor do they get paid by the insurance companies. Public adjusters collect their payment on the back-end, from the settlement they get the homeowner or insured.
Can a public adjuster work for a contractor?
How does a public adjuster get paid?
How much does a public adjuster charge?
It's hard to say how much each specific firm charges, but we typically charge between 10 & 20%, depending on the situation of the claim.