Frequently Asked Questions

1. Examine your current insurance policy and make an assessment of what coverage is fitting and appropriate to your claim.
2. Conduct extensive research, document, verify and authenticate any damage to your property, its contents and any other additional expenses that support the claim on behalf of the insured.
3. Determine the cost of business interruption losses.
4. Calculate and prepare estimates for covered damages.
5. Negotiate a settlement with the insurance company on your behalf.
6. Assist in reopening your claim if additional damages are found.

Here are some answers to questions we get asked the most. We hope that these will provide you with answers and information on what Holcomb Public Adjusting Services does for its clients.
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​The burden of proof to prove the extent of your loss to the Insurance Company lies squarely upon your shoulders. Insurance policies can be complex and contain confusing language. There are also many conditions, exclusions and limitations. Policy language gets very technical.  This adds to the stress of an already distressful loss experience. For an insurance company to write that check which will allow you to rebuild after your loss, there are certain conditions which must be satisfied.  Failure to do so could reduce your settlement amount or worse cause your claim to be denied.

​1. If you have just SUFFERED what is considered “an insurance loss” a public adjuster is highly recommended!
2. If you want a LEVEL playing field  during an insurance claim loss get a public adjuster!
3. If you want the MAXIMUM entitlement that your policy qualifies you. Hire a public adjuster!
4. As policy holder you should use a public adjuster as it PROTECTS you from the stress of engaging in an adversarial role with a large insurance corporation.
5. Consider using Holcomb Public Adjusting Services if you want your claim to be properly documented and presented.
6. Hire a Public adjuster, BEFORE the fact-finding stage. This will give you more time and better leverage to assist you the policyholder in getting a fair settlement for all losses legitimately covered under the insurance policy.

Public Adjuster Check List:

1. Is the public adjuster licensed in the state of the loss and is there a public adjuster code of ethics. Public insurance adjusters MUST be tested, licensed and bonded in most states.
2. Does the public Adjuster have consumer reviews (Yelp!, Google+, Facebook, etc), client testimonials & references? Are they willing to provide you this information upon request?
3. What are the public adjusters personal credentials? e.g., certifications, past business experience pertaining to the insurance industry, construction industry etc?
4. Have they explained to your satisfaction how they are to be paid?
5. Have they detailed how recovery funds are remitted?
6. Are diligently interested in your case?
7. Does the public adjuster's contract spell out in detail what is to be expected?