North Carolina Public Adjusters

Insurance companies have professionals working hard on their side. Shouldn’t you?

We act on behalf of policyholders in North Carolina, getting what you deserve from your insurance company.

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Allclaims Pro – Public Adjusters in North Carolina

We help policyholders process their claim with ease. Allclaims Pro, LLC is a licensed, bonded, and insured North Carolina public adjuster that advocates for you: the public. As a North Carolina public adjuster, we work to ensure that your best interests are met when working with insurance carriers on your property claims.

Our job is to guide you through the insurance claim process with competence and ease.

From offering affordable North Carolina 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 North Carolina 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.

North Carolina 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 North Carolina 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 North Carolina?

Many public adjusters operate like a one-man band and try and run the entire process themselves. At AllClaims Pro, we have individual public adjusters that specialize in certain fields of work.

Some of our public adjusters specialize in storm damage and have personally been on thousands of roof and properties inspecting for storm-related damages.

We also have other public adjusters that focus on fire and water, and others who are mainly inside public adjusters. 

At AllClaims Pro, we break things down and create somewhat of an assembly line. When a claim is being processed, we make sure that each area of expertise is being dealt with by an expert in that field. With several licensed public adjusters in the state, we always have someone to bounce ideas off of and navigate through the claims process.

What are some of the things that you like about being a public adjuster in North Carolina?

North Carolina gets a high volume of storm-related damages and claims each year. Its high coastal regions are often hit with hurricanes (the name of their professional hockey team is the Carolina Hurricanes). Additionally, Piedmont and the mountain ranges are often hit with a lot of thunderstorms, causing hail and wind damage. As a result of these storms, densely populated areas, such as Raleigh, have a great need for public adjusters.

At Allclaims Pro, what sets us apart from other public adjusters is our desire to help people. After Hurricane Florence, our owner, Larry Urgo (a North Carolina native) went down the coast assisting homeowners with anything he could. Just like with that hurricane, our goal everyday is to assist people in getting the adequate help they need in a time of crisis.

Are there local laws and/or regulations relevant to public adjusting in North Carolina?

North Carolina requires that all public adjusters be licensed and bonded.

In addition, many North Carolina policies have law and ordinance coverage and have 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?

The purpose of a public adjuster is to represent you and make sure that you get everything that you're owed when filing an insurance claim. Public adjusters exist to resolve the inherent conflict of interest that is involved in processing insurance claims. Typically, the insurance company sends out their own adjuster to represent the interests of the homeowner and the insurance company. But, how can one person represent two parties in the same financial transaction? Public adjusters represent only the homeowner and ensure they get everything they are owed.

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?

An independent insurance adjuster does not work for a specific insurance company, but is hired out by them. They are usually contracted out by them to be their representation for a claim. A lot of smaller insurance companies, or those overwhelmed by a large amount of claims, will bring in independent adjusters if they don't have the proper amount of adjusters on staff.

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?

The simple answer is no; a public adjuster cannot work for a contractor. A public adjuster has to work for the insured, anyone with the assignment of benefits of the insured, or the representation of the insured.

How does a public adjuster get paid?

Most public adjusters work on a contingency basis or contingency fee, meaning they don't get paid unless you get paid. They typically work on a percentage of your claim, so they're incentivized to get it as high as possible. While some work on an hourly basis, depending on the situation, most public adjusters work on a contingency percentage, usually receiving anywhere between 10 & 20%.

How much does a public adjuster charge?

How much a public adjuster charges depends on each scenario and how complex or involved that specific claim is. It also depends on the size of the claim. If it's a small claim, they may charge a higher percentage just to make it worth their time. In the case of a more complex claim, they may also charge a higher percentage. This would be to compensate for untangling problems that may have occurred, especially if they haven't been with the claim since the beginning.

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.

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