What is a Public Adjuster

A public adjuster is an insurance claims adjuster who is an advocate for and paid by the policyholder in appraising and negotiating an insurance claim.

Many policyholders are unaware that Public Adjusters exist as an option; rather, policyholders assume that they must deal directly with the insurance company representatives. A professional, conscientious Public Adjuster can make a tremendous difference in the amount of a policyholder's settlement as well as reduce or eliminate the stress and hassle of dealing with property insurance claims.

Licensed Public Adjusters possess skills, acquired by years of training and experience, which enable them to understand the complex coverage issues of your insurance policy. They apply these skills, helping you to better assess your options.

The insurance companies employ professional adjusters to assess your claim. However, the insurance company’s adjuster represents the insurer's interests. A Public Adjuster is an independent professional who works for you, the policyholder, represents you, and has a fiduciary responsibility only to you.

Frequently Asked Questions

What is a Public Adjuster?

A Public Adjuster is a qualified licensed insurance specialist who represents you in dealing with the insurance company. A Public Adjuster will assist you in preparing, filing, evaluating and adjusting your insurance claims.

Why do I need to hire a Public Adjuster?

You need to hire Nationland Adjusting Company because we are truly looking out for your interests. Keep in mind that the adjuster for your insurance company has his company’s interests in mind. TYPICALLY WE INCREASE YOUR CLAIM BY 25 TO 35%, However Nationland Adjusting Company has secured a 50 - 100% increase in payout on claims they have worked on. The insurance company hires a professional, so should you?

What qualifications should a Public Adjuster have?

They should be licensed and bonded and possess a vast knowledge of insurance policies, co-insurance, depreciation, building and personal property damage assessments, repair and replacement costs and negotiations.

What types of losses does a Public Adjuster handle?

Fire, Fire Exposures, Pipe Break, Water, Burglary, Vandalism, Vehicular Building Damage, Building Collapse, Explosion, Natural Disaster this includes loss to Buildings, Contents, loss Rental, Living Expense and Business Interruption.

Will retaining a Public Adjuster result in any delay in settling my claim?

On the contrary, a Public Adjuster will serve to expedite your claim. Our team will work closely with you and properly prepare and file your claim to prove the extent of your loss as required under the policy of insurance. The more thoroughly and completely your claim is compiled, documented and prepared, the quicker you can obtain a favorable settlement.

How much will the services of a Public Adjuster cost?

The fee is typically based on a small percentage of the claim settlement. By maximizing your settlement, the services of your Public Adjuster are generally offset by their ability to obtain a better settlement than you would be able to obtain on your own.

When should I hire a Public Adjusters?

We strongly recommend that you call before you call your claim into your insurance company or agent to insure proper reporting. Doing so ensures that you will get the professional help you need immediately. However, you can enlist our services at any time (before you place your claim, during your claim negotiations, and even after your claim has been closed). Basically, it`s never too late.

Am I entitled to a second opinion, if my claim was denied?

Yes! We have many clients that were told their valid claim was denied. We simply re-open the loss, negotiate with your insurance company, and secure payment.

What will the insurance company do after receiving my Nationland Adjusting Company estimated loss?

The insurance company has 2 options:
1. Agree with the report and pay the difference, or
2. Disagree with the Nationland Adjusting Company total and negotiate a new amount. Somewhere in-between what they originally settled with you and the new estimated loss calculated by Nationland Adjusting Company.

If I need help, can I speak to a live person?

Yes, just call us toll free at (888) 685-6776

Who uses the services of Public Adjusters?

Public Adjusters are utilized by individuals and all types of businesses and professions, including banks, accountants, attorneys, and even insurance adjusters and agents on their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our assistance.

Will I be canceled if I hire a Public Adjuster?

No. The public adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising a right given to you by the State Legislature.

Can I do it myself?

Filing insurance claims can range from simple to complex. A minor claim is one thing however a devastating loss to your home or business is incredibly complex and requires professional expertise. A Public Adjuster can help you through this difficult time by handling the burden as well as maximizing your settlement offer.

Past Results

Insurance Company

Type of
Damage

Insurance
offer

Nationland
Estimate

Settlement

Increase
Percent

American Family Insurance

Fire

$72,443

$114,390

$91,898

23%

State Farm Insurance

Fire

$19,559

$47,891

$40,033

71%

Allstate Insurance

Fire

$79,824

$150,373

$115,196

37%

Assurant Insurance Company

Fire

$147,908

$224,345

$213,137

37%

American Security

Fire / Water

$11,671

$55,250

$55,250

70%

Indian Harbor

Fire / Water

$609,694

$950,176

$950,176

55%

Allstate Indemnity Company

Gas Explosion

$29,787

$139,985

$139,985

469%

Safeco Insurance Company

Fire / Water

$111,307

$167,532

$145,762

31%

Allstate Insurance Company

Tree Damage

$4,570

$13,027

$13,027

60%

Allstate Insurance Company

Fire

$46,677

$85,235

$74,214

60%

LaSalle Bank Trust

Fire / Water

914,151

Why Nationland

Many insurance company adjusters have no experience in restoration other than computer estimating. They are an advocate of and are employed by the insurance companies who try to keep their losses at a minimum. This can result in claim payments less than the true loss. Further, their function is to limit claim payments as they see them. They do not provide emergency services.

To present a provable claim requires numerous experts in architecture, building construction, valuation of personal property, determination of rental or additional living expense, and business loss. Nationland has experts in all these areas. You deal with only one company during the adjusting and restoration period. In addition, Nationland provides additional services such as board-up, emergency needs and repairs, temporary housing, and restoration of personal property.

We make prompt contact with the insurance company and immediately proceed to start the adjusting process. We may start repairs even before the insurance company issues claim payments. We provide you with updates as the matters progress. Our construction is insured, licensed and bonded.

Nationland Adjusting Company has a highly specialized team of public insurance adjusters, estimators, project managers, I.T. professionals, and an experienced office staff dedicated to providing the support needed in difficult times.

Experience:

Our Adjusters have a combined experience level of 100 years plus. Our knowledge, in the insurance adjusting field, is instrumental in securing the maximum settlement for our clients. Unlike smaller companies we also enlist our senior adjuster to oversee each and every claim.

Staff:

When your claim is handled by Nationland Adjusting Company, you not only receive a personal adjuster assigned to your claim, but you also receive full office support. Nationland Adjusting Company has experienced estimators that can accurately estimate the money you should be paid by your insurance company. This estimate is often conducted with an experienced adjuster, who knows what is, and isn't, covered under your policy. Our inside project manager's work behind the scenes to keep your claim moving swiftly.

Staff/Office

Our Staff:

Nationland Adjusting Company has a highly specialized team of public insurance adjusters, estimators, project managers, I.T. professionals, and an experienced office staff dedicated to providing the support needed in difficult times.

Experience:

Our Adjusters have a combined experience level of 100 years plus. Our knowledge, in the insurance adjusting field, is instrumental in securing the maximum settlement for our clients. Unlike smaller companies we also enlist our senior adjuster to oversee each and every claim.

Staff:

When your claim is handled by Nationland Adjusting Company, you not only receive a personal adjuster assigned to your claim, but you also receive full office support. Nationland Adjusting Company has experienced estimators that can accurately estimate the money you should be paid by your insurance company. This estimate is often conducted with an experienced adjuster, who knows what is, and isn't, covered under your policy. Our inside project manager's work behind the scenes to keep your claim moving swiftly.

Staff Overview:

Nationland Adjusting Company invites you to visit our professional headquarters in Chicagoland. Feel free to stop in and visit with our staff and meet our adjusters. We realize your claim is important to you, and we want to assure you that we've assembled the absolute best team available to adjust your loss.

Adjusting / Reconstruction

Customer

Testimonial

Pictures

Kenneth Woods Jr

Crandon Ave

Chicago, IL 60617

Emil Jones Jr.

Retired President

Illinois State Senate

Dorothy Young

Emerald Ave.

Chicago, IL 60620

Erica & Roman Ramirez

Harvey Ave.

Berwyn, IL 60402

Jesse L. Jackson, Jr

Member Of Congress

2nd District, IL

Julio & Alma L. Ramos

55th Street

Chicago, IL 60632

Joy Divine Full Gospel Church

Halsted St

Chicago, IL 60620

Nancy Peatry

South Chappel

Chicago, IL 60649

Barbara E. Woods Logan & Carl Logan

Elizabeth Street

Calumet Park, Illinois 60827

Willie Newson

South Kildare

Chicago, IL 60652

Patricia Washington

South Oglesby

Chicago, IL 60617

Gronski family

Dixon Lane

Homer Glen, IL 60491

Kareem Abdul-Musawwir

115th Street

Chicago, IL 60628

Antonio Sanchez

South Kenton

Chicago, IL 60628

Rev. Digbey

South Claremont

Chicago, IL 60636

Margie Ivy

West Maypole

Chicago, IL 60624

Bertha Jeffers

South Union

Harvey, IL 60426

Jean Allen

West 97th Street

Chicago, IL 60614

Leonides Arroyo

W. Parker

Chicago, IL 60647

Kenneth Turner

South Eggleston Avenue

Chicago, IL 60620

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