Question 1

What is a public adjuster?

Accepted Answer

A public adjuster is a licensed professional who represents the policyholder — not the insurance company — in preparing, documenting, and negotiating a property insurance claim. In Georgia, public adjusters must be licensed by the Office of Commissioner of Insurance and Safety Fire.

Question 2

How is a public adjuster different from an insurance company adjuster?

Accepted Answer

Insurance company adjusters (staff or independent) are retained by the insurer to evaluate claims on the insurer's behalf. A public adjuster is retained by you, the policyholder, to help present and negotiate your claim.

Question 3

When should I hire a public adjuster?

Accepted Answer

Many property owners consider a public adjuster when damage is significant, the claim is complex, the policy language is difficult to interpret, or they feel the initial evaluation does not reflect the documented damage. A consultation can help you decide whether representation makes sense for your situation.

Question 4

Can a public adjuster help with a denied claim?

Accepted Answer

Often, yes. We can review your policy, the denial letter, and the claim file to identify whether there may be grounds for reconsideration or further negotiation. We cannot guarantee that a denial will be reversed.

Question 5

Can I hire a public adjuster after filing a claim?

Accepted Answer

Yes. You can retain a public adjuster at any stage — before filing, during the claim, or after an initial payment or denial — subject to your policy terms and applicable deadlines.

Question 6

How much does a public adjuster charge?

Accepted Answer

DR CLAIMS generally uses a 10% fee structure, calculated on claim payments received, subject to the approved written public adjusting contract and applicable Georgia law. The initial consultation is free and creates no obligation.

Question 7

What types of claims does DR CLAIMS handle?

Accepted Answer

We assist with residential and commercial property claims involving storm, wind, hail, roof, water, fire and smoke damage, as well as denied, underpaid, and supplemental claims.

Question 8

Do you serve all of Georgia?

Accepted Answer

We serve property owners throughout the state of Georgia. Contact us to confirm availability for your specific location.

Question 9

How long does the insurance claims process take?

Accepted Answer

Every claim is different. Timelines depend on the extent of the damage, documentation required, the insurer's response times, and whether negotiation is needed. We keep you informed at each stage.

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