Every claim is different. However, in a perfect situation, here is generally how the claim process would progress when you consult with and hire a licensed public adjuster to handle your claim:

  1. Loss to home or business is incurred
  2. File a claim with insurance company
  3. Hire a public adjuster
  4. Conduct onsite meetings
  5. Documentation of the claim (from the insurance company and public adjuster)
  6. Discussions with the insurance company concerning the documentation from both parties
  7. Negotiations
  8. Settlement of claim
  9. Collection of any supplemental payments as construction progresses
  10. Close claim once fully paid

If you have not first hired a public adjuster and instead attempted to handle the claim yourself, and the insurance adjuster has already submitted an estimate, YPA Public Adjusters would re-evaluate the insurance company"s decision and the claim would progress as follows:

  1. Loss to home or business
  2. File a claim with insurance company
  3. Insurance company inspects and estimates the loss
  4. Insurance company makes an offer
  5. Hire a public adjuster to dispute insurance company"s findings
  6. Conduct onsite meetings
  7. Documentation of the claim (from the insurance company and public adjuster)
  8. Discussions with the insurance company concerning the documentation from both parties
  9. Negotiations
  10. Settlement of claim
  11. Collection of any supplemental payments as construction progresses
  12. Close claim once fully paid

In either situation, YPA works on a contingency fee and you don"t pay us until you get paid.