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If You Have an Active or Recent Insurance Claim...
"On Average, We Get 146% MORE Money for Our Clients (Than Our Clients Get Alone)
We NEVER charge anything upfront and our fee is just a percentage of the extra money we get for you...
Always making sure you have plenty of money for repairs (even after our fee)
Insurance Companies Hate Us
(Which Is Exactly Why You'll Love Us)
From: Brian Bagnall, CEO
Do you know what your insurance claim is REALLY worth?
We're a full service public adjusting firm. We work on behalf of you, the policyholder, to maximize your insurance recovery.
If you've suffered a property loss at your home or business, do you know what your insurance claim is really worth?
You're entitled to a fair recovery from your insurance company. But getting the maximum settlement, enough to rebuild or replace your damaged property, isn't always easy. The way you handle the claim can greatly affect the amount of your settlement.
We're a team of seasoned licensed public insurance adjusters, who represent policy holders like you. Our mission is to assist you in the complex task of preparing, presenting and negotiating insurance claims on your behalf so you can receive the maximum insurance recovery you're entitled to.
Your insurance carrier has adjusters who adjust claims on a daily basis and are always looking out for and protecting the interest of their employer... the insurance company.
By engaging the services of your own adjuster, it levels the playing field, putting a professional with the knowledge and expertise of evaluating damages and understanding policy language on your side.
Public Adjusters are the only type of claims adjusters that can legally represent your rights of during an insurance claims process.
Statistics show that claims prepared by us settle substantially higher than those handled by policy holders themselves.
We're proficient in handling all types of residential and commercial property insurance claims.
Whether you've already filed a claim or you're already deep into the claims process, we can help you obtain the best possible settlement. Contact us today for your FREE, no-obligation consultation.
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We Can Help with Any Type of Claim
- Smoke & Fire (electrical, appliance malunctions, cooking accidents, space heaters, fireplaces, etc.)
- Lighting
- Vandalism & Theft
- Water & Freezing Claims (Burst Pipes, Water Overflows, Water Leaks)
- Mold
- Roof & Siding Damage
- Flood
- Wind (including hurricanes and tornadoes), hail and other weather damage
- Vandalism & Malicious Mischief
- Theft & Break-in
- Falling and flying objects (trees, poles, etc.)
- Additional Living Expenses, Loss of Use & Business Interruption
- Sinkholes
- any other type of loss insured under a policy
Areas We Serve
Why You Shouldn't Trust the Insurance Company
You need to understand that the insurance company adjuster DOESN'T work for you or have your best interests at heart. There's a reason insurance companies are despised. Like all businesses, insurance companies are trying to turn a profit and getting you the maximum amount you deserve is not part of their business model.
And these days, because of insurance fraud, insurance companies are more skeptical than ever and may treat you more like a suspect than a policyholder. They make the claims process intentionally tedious and complicated in hopes that you'll "give up" or just be so exhausted by the end that you'll take whatever settlement they throw at you.
Insurance companies often delay payment of justified claims, minimize the payout or deny payment altogether. The claims process is complicated and intimidating if you're not familiar with it.
How a Public Adjuster Protects Your Best Interests
As public adjusters, we work for YOU (not the insurance company)! Many times, damage is not visible to the untrained eye and quantifying the amount of damage can be subjective. And when it's subjective, you can guarantee the insurance company isn't going to go out of their way to help you.
Also, we understand the complicated requirements and terminology insurance companies use (and the common barriers they put in your way), so they won't be able to play games with us.
Having a public adjuster on your side representing your case and handling the required documentation is the best way to ensure you get all that you're entitled to from your insurance policy. We'll make sure you get plenty of money from your insurance company to repair or replace whatever has been lost (even after our fee).
Brian Bagnall
CEO & Licensed Public Adjuster
In Your Corner Adjusters is a full service public adjusting and insurance consulting firm. We work on your behalf to maximize insurance recovery.
Our loss consultant staff of dedicated public adjusters, appraisers and risk management consultants represent your interest against the insurance company, therefore we have the best interests of our clients at heart and make sure that your get your due from the insurance company. We provide personalized, expert service to each of our clients.
Our owner, Brian Bagnall, is an in-demand author of 8 books, speaker and has spoken at conferences throughout the United States. He's shared the stage with business greats like Daymond John from Shark Tank.
We Got Our Client $71,546.90 MORE MONEY Just by Working with Us
(that's 328% MORE MONEY than the Insurance Company Wanted to Give Them)
BEFORE Our Help
The client got this settlement BEFORE they called us.
AFTER Our Help
THIS is the Additional Money We Got for Our Client AFTER we got involved.
Why Hire Us...
The short reason: get the maximum settlement on your claim.
The long reason: Most people who have sustained an insurance-related loss don't have the time or expertise needed to recover what they are rightfully owed under the terms and conditions of their insurance policy. This can actually result in costing you valuable time and money if you decide to handle the insurance claim yourself, without our help.
We are proficient in processing all types of residential and commercial property insurance claims. After a loss there are already so many pieces to pick up that the amount of paperwork involved with a claim can be overwhelming, prolonging a return to normalcy. Our mission is to relieve our clients of the burden of dealing with an insurance claim. We handle the entire process of preparing and submitting the insurance claim from start to finish. We have the knowledge and experience to ensure that no stone will be left unturned.
In the News...
Click to read what the press says about the benefits of hiring a public adjuster
- Why Insurance Mediators Help When Disaster Strikes (Wall Street Journal)
- Hiring a Public Adjuster (Bankrate)
- Get Your Due from a Homeowners or Flood Insurance Claim (Yahoo News)
- Homeowner Insurance Buying Guide (Consumer Reports)
- How to File a Homeowners Insurance Claim (Consumer Reports)
- Public Insurance Adjusters: When to Hire One and Why (ValuePenguin)
- Public Adjusters Help You Nail Homeowners Insurance Claims (Forbes)
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Here's How We Work
1.
Consultation
Contact us to schedule a call where we'll find out all of the details of what happened and find out what stage in the claims process you're in.
4.
Fight for Coverage
There's 2 stages to the fight:
The first stage is to fight to get the insurance company to admit that the damage was caused by an event covered in your policy. We'll handle all insurance forms and paperwork to substantiate your claim. Once we get them to admit it's covered, they will give us a low ball settlement offer but the goal at this stage is NOT to fight for money... it's just to fight for COVERAGE.
2.
Assessment
After the call, we'll review your insurance policy to determine what is covered and explain your options. If you like what you hear, you can hire us to present you (there are no-upfront fees).
5.
Fight for the Best Settlement
Once we get the insurance company to admit to coverage, that's when we work on fighting to get you the maximum amount you deserve... because the insurance company is legally obligated to make you whole. We'll be in constant communication with your insurance company to keep the process moving along.
3.
Documentation
We'll come out and assess your damages, take photos and create detailed lists of the damage. We'll create a report that meets the tough criteria insurance companies demand and relieve you of that burden.
6.
Expedite Payment
We'll stay on top of your insurance company, pushing for prompt of your settlement. The timeframe for payment can vary as some insurance companies try to drag their fight (we have tools in our toolbox to create urgency).
Now's the Time to Act!
Schedule a FREE Consultation
In Your Corner Adjusters is experienced with all kinds of claims and knowledgable in contract negotiations. We will document all damages, both visible and hidden, and ensure they are taken care of in your claim.
Your insurance company is OBLIGATED to pay you for your damages, to restore your property to it's pre-loss condition. We MAKE them live up to that obligation.
Whether or not you've started the claim process with your insurance company, we can meet with you to discuss your rights. Schedule a FREE no-obligation call with us below.
What People are Saying...
Since our inception, we've had the privilege of assisting many clients with their insurance claim after their home or business suffered damage. As public adjusters, we work hard to ensure our clients are treated fairly by their insurer and get the maximum payout their policy allows. Here is a sampling of what our clients are saying about our work.
"Settled in Under 2 Weeks"
"My insurance company was being a nightmare to deal with. They were delaying and requesting all kinds of documentation I didn't know about. I couldn't believe you had the claim settled in under 2 weeks. Thanks Brian!"
- Jeff M.
"They Got Me a Check for an EXTRA $71,546!"
"I knew the insurance company was trying to short change me with a measly check for $31k. I just didn't realize HOW BADLY they were trying to take advantage of me. Well, it turns out to the tune of $71k! They got me $71k MORE. Thanks guys!"
- Kevin S.
"I Ran Out of Money Doing the Repairs!"
"I had a large insurance claim that the insurance company sent me a check for. Well, I ran out of money about 3/4 of the way through doing the repairs. I was skeptical but I called Brian and 4 weeks later I had another check for $50k to complete the repairs. Brian is a lifesaver!"
- Mark F.
STILL GOT QUESTIONS? WE GOT YOU!
Frequently Asked Questions
Are you connected with insurance companies?
No. We are employed exclusively by you - the policyholder - not by an insurance company.
What is meant by the term "accredited" public insurance adjuster?
It means that we act according to a strict code of ethics.
How can you help me?
You will have the comfort and advantage of expert assistance based on broad experience guiding you through the process. We relieve you of the many time-consuming and difficult matters involved in preparing and filing a claim - and helps you to receive a prompt and fair settlement.
Can I prepare my own claim?
Yes, but it stands to reason that an accredited, experienced professional in any field will achieve more rewarding results than a layperson. More specifically, we will assist you in the preparation of inventories, estimates and other factual proofs of loss. We will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. We will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.
Why do I need help in filing an insurance claim?
The typical insurance policy contains hundreds of provisions and stipulations - various forms and riders that are constantly changing and many complex details about your requirements in case of loss. Most people do not know or understand these policy provisions - and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced, accredited public insurance adjuster rather than an inexperienced policyholder.
In the event of a complete loss of my property does my insurance pay for the whole thing?
This depends upon the type and amount of insurance you carry. It also depends on your expertise or the expertise of your representative, not that of the insurance company's adjuster. Many insurance policies may pay more than the amount shown on the declaration page. A qualified expert working for you can determine everything to which you are entitled.
Why should I hire In Your Corner Adjusters to obtain what is rightfully due to me?
We are your exclusive representative. With our experience and knowledge we are better able to obtain a more favorable adjustment for you.
What is the extent of your responsibility?
Your public insurance adjuster assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you which is equitable and includes everything to which you are entitled under your insurance policy.
How do you determine the actual loss?
We take a physical inventory, obtain all pertinent appraisals, and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps about which you may know little or nothing but can make a significant difference in the amount of the final adjustment.
What special help can you give me with technical questions?
We are the experts to turn to when such matters arise. There may be many questions and problems as to how the policy provisions can be applied in different circumstances, and we can apply broad experience and specialized knowledge to represent your interests in answering such questions and resolving such problems. It is up to you to prove your loss, and we can help you do it.
In the event of a loss, what steps should I take?
Promptly report the loss to the agent or broker, or directly to the insurance company - and immediately retain our services to serve you.
How much do you charge for your services?
Fees are contingent upon recovery on a percentage basis. The percentage can be agreed upon in advance so there are no surprises or misunderstandings after settlement is concluded. We represent YOU, and only you.
Will you help me receive a more prompt and satisfactory settlement?
Yes. We lose not time in complying with the policy requirements to obtain and evaluate the facts and prepare the claim. The alert, knowledgable, and prompt service we render often preserves evidence that may otherwise be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster your public insurance adjuster can accomplish an equitable and proper settlement in your best interest. Once a policyholder has witnessed the skill and knowledge of our accredited public insurance adjusters, he or she will not want to attempt to settle a claim without the benefit of their specialized assistance. Our best source of new clients is the recommendations of those we have previously serviced.
What if I am already in the middle of the claims process?
No problem. While it's generally better if we're involved from the start, we can jump in and help during any part of the claims process.
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