What we do

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JT Public adjusters are claim professionals who assist policyholders in preparing, filing, and negotiating insurance claims. 

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1. Initial consultation and Policy review: We'd like to visit the property and talk with the homeowners to assess the situation and evaluate the damage or loss.  And also to review the insurance policy to obtain the coverage limits, deductible amounts and such. 

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2. Paperwork & Homeowner's acknowledgement: Necessary letter of representation agreement need to obtained, which is the policy holder's acknowledgement that we're representing the claim on behalf of the homeowners, and also creating a working relationship. 

Since Insurance companies can ONLY communicate with the policy holders, obtaining the documents enable us to start the claim process. 

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3. Pre-Inspection: Our adjusters conduct pre inspections to gather all necessary documentation and evidence to support the claim. This can include photographs, videos, receipts, estimates, using drones, and any other relevant records.

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4. Inspection review & Claim Submission: We review the pre-inspection report and cross match with the programs that insurance companies use to make sure if we have sufficient enough damage to file a claim as each insurance companies use different merit to approve the claims, we ensure that the claim is accurate, detailed, and presented in a way that highlights the extent of the damages or losses.

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5. Scheduling and Meeting: Whence the claim is filed, we're waiting for the insurance company/adjuster to reach out to us to set up the schedule(typically with in 2 business days). We try to take the earliest schedule available for both parties, which it could be the next day or 3 weeks from now as we have to go by their availability. 

During the meeting, both parties inspect the premises of property, typically up in the roof, siding, gutters etc for policyholder receives a fair settlement. This involves discussing the extent of damages, the value of the claim, and any disagreements regarding coverage.

6. Settlement Negotiation: Our claim adjusters communicate with the insurance adjusters to ensure if there isn't any missed items, measurement, correct value or if it's up to the code to make sure we get the full and fair settlement amount. 

7. Claim Closure: Once a settlement is reached, we submit the completion letter and proper documents, photos etc as a finalizing of the claim. They review settlement offers and any required paperwork to ensure that everything is accurate and complete.

*Appraisal Process: If there's a dispute in damage findings between  us and the insurance company's assessment, we facilitate the appraisal process. This involves an impartial third-party appraiser evaluating the damages and losses to reach a resolution.

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