West Virginia Public Adjuster

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

From offering affordable 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.

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 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.

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 Pro 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.

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.

West Virginia’s slogan is “wild and beautiful” and by extension, there’s a sense of wildness to the insurance process. There aren’t many public adjusters in West Virginia, at least none in the area closest to us. We’ve had countless customers call us to assist with roofing claims, or fire and storm damage. It didn’t take long to realize that many West Virginia residents are not getting the public adjusting help they need and deserve.

West Virginia has a lot of farm properties that are overlooked when big storms hit. Oftentimes, however, farmers or large property owners are entitled to huge compensation for storm-related damage.

Due to its geography, West Virginia also gets a decent number of hail and wind storms. These tend to blow through the area, over the mountains, and most times cause water and wind damage.

At Allclaims Pro, we love educating people on what we do. To most people, the insurance claims process can seem intimidating, scary, and complex. We find it extremely important to be able to educate owners and policy holders on how to navigate their way through the claims process, or even do it for them.

Especially in West Virginia where public adjusting is prevalent, many people don’t have access to education or help with their insurance claims. Like how you don’t think about getting sick until you are, most people don’t think about insurance until they’ve suffered the loss of their property. We want to offer high-level education and offer guidance through the insurance process and navigate them to a healthy end.

Like in Virginia, West Virginia public adjusters are required to be licensed by the state. At Allclaims Pro, all of our public adjusters that work in West Virginia are licensed.

In addition, many West Virginia 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.

At Allclaims Pro, you can always call us for a consultation to assess the status and situation of any damage. In addition to public adjusting services, contractors are your best bet. We work with numerous reputable contractors in West Virginia, who are honest in assessing damage and can help direct you on proper repairs.

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.

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.

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.

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.

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.

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 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.