Property Insurance Adjuster

Who We Are

As public insurance adjusters, the team at Hope Public Adjusters is responsible for helping to evaluate property damage and injuries. We act as an intermediary on behalf of customers to find a reasonable solution to claims. The distinct advantage of using Hope Public Adjusters as your property claims adjuster is that we act as a third party.

As a claims adjuster, we work primarily on behalf of the insured who need objective help dealing with insurance companies. We will help you analyze and resolve claims by adding further input to the process, and we will be your advocate when there are disputes. Insurance companies generally have one interest in mind: their profits. Your needs are not paramount to their goal of saving money on your home and property claims. We can help you get a just and fair solution to your loss or damage claim while considering the many variables that go into a home insurance settlement. 

Property Claims

As your property claims adjuster, we use public estimation data to create value estimates for the insured. Estimates are then used to file comprehensive property claims that adequately cover the extent of the property damage and hold the insurer accountable for the money they owe their client. Insurance companies use internal information and adjustments to estimate their payouts for a claim that you file, but these are often very conservative and may not cover the repair or replacement costs for your home. Therefore, people who need to file a claim with their insurer will benefit from working with a property claims adjuster to ensure that the reality of their damages and losses are understood and adequately compensated. This is where an experienced professional property claims adjuster like those at Hope Public Adjusters in Indianapolis can help.

Many Different Methods of Calculating Losses

As your property claims adjuster, we also use various methods to calculate the public valuation estimates that relate to your own losses. These methods include usage figures, historical sales, demographic and regional information, condition, new construction, and existing building values. We have access to the most up-to-date assessment methods and can help to make these estimates more accurate. With this information, we can help you with your property claims to ensure that the home insurance company provides you with a fair settlement offer for your property claims.

The Insurance Claim

A property claims adjuster must also be aware of the strengths and weaknesses of any given insurance claim. Property values do not remain static over time and can change from year to year.  Remember that the adjuster is your ally when dealing with insurance companies. 

In addition to these methods, we also make assumptions and claims process projections for future years. Projected premiums are often based on insured assumptions that prove to be incorrect, and we have represented many people who ultimately walk away with larger settlements than offered before they began working with a property claims adjuster. 

For example, if high growth rates are predicted in the future, an insurance company will likely assume that these high growth rates will result in significant insurer increases in premiums for home insurance policies over time. However, this assumption may prove to be inaccurate and can be costly for your settlement in the end. To avoid these costly mistakes or miscalculations, your property insurance adjuster will bring their skills and experience to the table and guarantee a higher accuracy level. 

Property Assessments

As property assessments are completed throughout the year, our property insurance adjusters will continue to review their projects and adjust them accordingly. This service is essential for all concerned parties, as it enables the ability to provide the highest quality services possible at the lowest cost. Without periodic reassessments, a company would not stay up to date with the various public opinion surveys and policy adjustments. The importance of a property claims adjuster cannot be overstated in today’s ever-changing environment. 

Taking On the Insurance Company 

Overall, a property claims adjuster plays a vital role in the property insurance industry. They are responsible for maintaining accurate public valuers reports to protect people who are trying to get the money they deserve out of their insurance policies. To support their clients from denied claims and hold the insurance companies accountable, a property claims adjuster performs their duties competently and professionally. 


A property insurance adjuster will be the one who helps determine your insurance coverage, prepares and submits your insurance coverage, prepares your claim, and determines the dollar amount of your loss in the event of a claim.

For instance, if a tornado strikes the area you live in and destroys your property, our claims adjuster would come to your area, help to survey the damage, check the contents of your policy, and further analyze the total loss. Then our adjuster would come up with the total dollar amount and submit the claim accordingly.

A public adjuster is an insurance claims adjuster (negotiator) who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, a public adjuster is licensed by state departments of insurance and is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper valuation of the loss. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the insurance policy to determine coverages, and negotiate with the insurance company’s adjuster.

The Public Adjuster’s primary responsibilities are:

  • Evaluate interruption losses and other extra expense claims
  • Determine values for settling ALL covered damages
  • Prepare, document, and support the claim on behalf of the insured
  • Negotiate a settlement with the insurance company on behalf of an insured
  • Negotiate for more money if a discrepancy is found after the claim has been settled

Public Adjusters, along with their professional advisers, i.e., structural engineers, general contractors, technical advisers, etc., can find damages overlooked by the insurance adjusters, possibly because they may be newly trained, extremely overbooked, or just plain overworked. Insurance adjusters are usually rushing to finish, get the job done, and move on to the next of their scheduled appointments. Also, some insurance adjusters may not get around to submitting their report on the owner’s property for several weeks later, which leads to more damaged items missing, overlooked, or underpriced. Public adjusters work for the policyholder and commit themselves and their years of experience to the policyholder’s claim to include every single legitimate line item. However, during negotiations with the insurance company and even after a settlement has been received by the insured, we may be able to negotiate for a higher amount of additional damages that have developed or have been discovered.

There are other avenues open to the public adjuster if the two parties cannot agree on the total value of the claim. The public adjuster would then appeal to the Supervisor or upper management of the insurance company. If that did not resolve the dispute(s), the public adjuster would call for an appraisal. Each party would hire an independent appraiser to determine the value of their respective claim. Usually, this resolves most disputes, and each party feels they have won. If the appraisal process fails to resolve their differences, arbitration or a lawsuit would be the absolute last resort and is very time-consuming and expensive.

Working With an Adjuster After Property Damage

Not everyone knows exactly what to do when it comes to filing a property insurance claim, and your insurance company may not inform you of every exact detail, so you receive a fair amount of money relative to your loss. Whether you decide to take on the dreaded task of going to battle with the insurance company, or if you seek the services of a Public Insurance Adjuster (PIA), here are some things a PIA can do for you which you can undoubtedly follow yourself when you next need to prepare a claim.

Advocate for You

Public insurance adjusters work for the policyholder in appraising, reviewing, and negotiating the claim with the insurance company. Outside of an Attorney or Broker of Record, public adjusters are the only type of claims adjuster that legally represents the insured party in the instance of a property insurance claim.


An initial consultation is an excellent idea to establish whether a public insurance adjuster can assist you with your insurance claims. They will be able to look at your case, its approximate value, and determine the scope of services required based on the information provided to them.


Once it has been established at an early stage that you require the services of a public insurance adjuster, some initial necessary steps are essential to take. Public insurance adjusters will first contact your insurance company to make them aware of a pending claim. Secondly, before you do any property clean-up, they will photograph or video record all of the damages sustained. 


How a claim is documented can often be the most important component in recovering the maximum settlement. A well-documented claim demonstrating the full extent of the loss with an exact re-creation of the condition of your property before the loss, along with supporting architectural renderings, detailed re-building costs, and budgets, is something a good PIA will incorporate as part of your claim.


Now that you have a well-detailed and documented claim, it must be presented to the insurance company for review and resolution.


Once the claim is submitted to the insurance company, they will return to the insured with an initial offer to settle the claim with a one-time payment. If possible, the insurance company will try to put some degree of liability on the insured to reduce their final payment. It will leave out various damages by claiming depreciation or that they are not covered under your policy. This is when your adjuster will initiate negotiations to close the gap and get you the money you deserve. 

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