Most property owners search for a “public adjuster” during their most stressful moments, right after property damage strikes. Insurance companies often propose settlements that fall short of covering actual losses, leaving you questioning the fairness of your deal.
As a property owner, you may not realize you have alternatives beyond accepting your insurance company’s settlement offer. Young Adjustment Company provides expert public adjuster services that help you secure the maximum value from your claim. Our professionals work solely for your benefit, not the insurance company’s interests. With over a century of experience, our expertise typically helps policyholders recover significantly more than the original settlement offers.
This article explains what public adjusters do, how Young Adjustment Company can help, and outlines our free claim review process. Understanding these simple aspects will help you make better decisions about your insurance claim.
What Does a Public Adjuster Do for Property Owners?
When property damage hits, many homeowners and businesses need professional guidance. A public adjuster works exclusively for you, unlike a claims adjuster who represents the insurer’s interests during claims.
Young Adjustment Company’s public adjusters play several key roles that make a significant difference in your claim’s outcome:
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Expert Policy Review: We start by thoroughly examining your policy to identify all available coverage. This essential step often reveals benefits that many property owners don’t know they have.
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Complete Damage Assessment: Our team meticulously checks and documents every aspect of damage to your property. We create detailed reports that capture all your property’s damage - things insurance companies might miss or undervalue.
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Professional Negotiation: The most valuable aspect of our service is handling all communications with insurance companies. Our adjusters understand insurance terminology and negotiation strategies, which helps us advocate for your interests more effectively. This expertise leads to quicker settlements and larger payouts.
Key services our public adjusters provide:
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Policy evaluation and coverage analysis
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Complete property damage assessment and documentation
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Creation of comprehensive damage reports
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Direct negotiation with insurance providers
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Resolution of potential disputes
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Faster claim settlement
Beyond these core services, we handle all the complex paperwork and communications. You can focus on recovery while our experts take care of your claim.
The Difference Between a Claims Adjuster and Public Adjuster
Understanding the public adjuster vs insurance adjuster relationship is crucial when filing a property damage claim. This difference affects every aspect of the claims process.
Insurance Company Adjusters:
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Employed by or contracted with the insurance company
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Primary responsibility is to the insurer, not the policyholder
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Trained to identify covered damages within policy limits
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Motivated to control costs for their employer
Public Adjusters:
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Licensed professionals who work exclusively for the property owner
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Represent only your interests throughout the claims process
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Experts in identifying all covered damages and applicable coverage
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Compensated based on a percentage of the claim settlement
“When comparing public adjuster vs insurance adjuster findings, the difference in valuation can be substantial,” explains David Horowitz, one of Young Adjustment Company’s leaders. “We regularly identify damages and coverage options that were completely overlooked in initial assessments.”
Why Choose an Independent Insurance Adjuster for Your Claim
Young Adjustment Company has been serving property owners since 1920. Now in our fourth generation of family leadership, we bring unmatched experience to every claim we handle. Our team includes:
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Professional adjusters with decades of experience
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CPAs who understand business interruption calculations
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Attorneys who can interpret complex policy language
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Construction experts who accurately assess damage
Unlike a claims adjuster who works for the insurance company, our team represents only your interests. This independence allows us to focus entirely on maximizing your settlement.
The benefits of hiring a public adjuster include expert policy review, complete damage documentation, and professional negotiation. Our clients consistently receive settlements that far exceed initial offers from insurance companies.
What Young Adjustment Company Looks For That Insurance Companies Often Miss
When you hire Young Adjustment Company, we conduct a thorough, independent assessment of your property damage. Here’s what our experienced adjusters typically identify that company adjusters may overlook:
Hidden Damage
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Smoke or water damage behind walls that requires specialized detection equipment
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Structural issues that may not be immediately visible but affect building integrity
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Mold or other secondary damage resulting from the initial incident
Policy Coverage Details
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Additional coverages included in your policy but not applied to your claim
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Potential coverage under other policies (like personal property under a business owner’s policy)
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Endorsements or riders that provide enhanced protection
Alternative Settlement Options
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“Cash out” options instead of rebuilding, which may be preferable for some business owners
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Temporary relocation expenses covered under your policy
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Depreciation recovery opportunities
Business Impact Assessment
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Accurate business interruption calculations from our in-house CPAs
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Lost sales and revenue projections based on historical performance
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Continuing expenses that should be covered during rebuilding
“Our clients are often surprised by what we discover during our assessment,” notes Brian Horowitz of Young Adjustment Company. “Insurance company adjusters simply don’t have the time or incentive to identify every covered loss.”
How to Get Help from Young Adjustment Company
When you’re facing property damage and need expert assistance, Young Adjustment Company is ready to help. With over 100 years of experience and a comprehensive team of professionals, we’re equipped to support you through every step of the claims process.
Call Today for Expert Help: [Contact Number]
A quick phone consultation is the easiest way to connect with one of our licensed professionals. Young Adjustment Company offers free, no-obligation claim reviews to assess your situation, explain your coverage, and advise you on your next steps, with no pressure to commit.
Prefer Online? We’ve Got You Covered
You can also fill out our easy online form at https://www.youngadjustment.com/contact. To streamline the process, have the following details ready:
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Type of claim (residential, commercial, or business interruption)
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Approximate value of your loss
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Complete address of the damaged property
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Date the damage occurred
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Brief description of the loss
Our policy review takes just minutes but provides powerful insight. It clarifies your coverage, evaluates your property damage, and initiates the claims process with expert support.
Why Property Owners Trust Young Adjustment Company
Young Adjustment Company has been helping property owners maximize their insurance settlements for over a century. Our clients consistently share how our services made a crucial difference during difficult times:
From RE/MAX Action after fire damage: “Your guidance and expertise were an invaluable asset to me, my company, and my family.”
Pavan Patel noted: “Mike from Young Adjustment Company was wonderful to work with. He truly cares about his clients and delivers what he promises.”
After a house fire, Meredith Miller shared: “They educated us, advocated for us, and kept us apprised of each step.”
Our public adjuster services are most valuable for:
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Claims over $75,000
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Complex commercial and residential losses
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Business interruption claims
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Claims where the insurance company’s offer seems low
Many of our clients receive settlements up to three times higher than their insurer’s initial offer. Our fee is easily absorbed by the increase in settlement you receive.
Take Action: Get Expert Help with Your Property Claim
Dealing with property damage is stressful enough without having to navigate complex insurance claims alone. With Young Adjustment Company’s public adjusters on your side, you can focus on recovery while experts handle the details.
Our team will:
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Review your current policy coverage
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Identify all damage and applicable coverage
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Handle all communication with your insurance company
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Negotiate for the maximum settlement you deserve
Don’t settle for less than you’re entitled to receive. Contact Young Adjustment Company today for a free consultation and discover how our century of experience can help maximize your property insurance claim.
CONTACT YOUNG ADJUSTMENT COMPANY NOW
Young Adjustment Company has been serving property owners since 1920 with offices throughout the Mid-Atlantic region.