Why Hire a Public Adjuster?
We fight for You,
Not the Insurance Company
Maximize Your Claim
Get the highest payout possible.
Save Time & Effort
We handle all paperwork & negotiations.
Choose with Confidence. No recovery—No Fee
We only get paid when you do.
How It Works – Our 5-Step Process
Claim Submission
We file and negotiate with your insurance company.
Free Consultation
We assess your damage & review your policy.
Claim Evaluation
We calculate your losses & build your case.
Settlement Negotiation
We ensure you receive the highest payout possible.
Compensation Secured
We finalize your claim and ensure you’re paid.
Fire & Smoke Damage
Fire damage can turn life upside down, whether it affects your home or business. After a fire, you’re not only dealing with the physical and emotional toll, but you also need to navigate the insurance claims process to get the compensation you deserve. Sorting through policy language and insurance requirements while focusing on recovery is a huge challenge. That’s where we come in. Our team of public adjusters has the experience and knowledge to manage your claim from start to finish, ensuring you get the most out of your settlement to rebuild and move forward.
Water Damage
Water damage can cause significant disruption, whether it impacts your home or business. Unexpected leaks damage can be extensive and stressful to manage. On top of repairs, navigating the insurance claims process for water-related incidents can be complex and time-consuming. Our experienced public adjusters are here to help you handle both flood and water damage claims, ensuring you understand your policy and secure the maximum settlement. Let us take on the burden of managing the claim, so you can focus on restoring your property and moving forward.
Storm Damage
Severe weather can leave a lasting impact on your home or business, causing structural damage, roof leaks, and property destruction. High winds, heavy rain, and hail can lead to costly repairs, and dealing with the insurance claims process can be just as overwhelming. Our experienced public adjusters specialize in storm damage claims, helping you navigate your policy and ensuring you receive the full compensation you deserve. Let us handle the complexities of your claim so you can focus on rebuilding and moving forward with peace of mind.
Precise Adjusters owner Steven Hartmann is an insurance claims expert with 28 years of experience in the industry. He began his career as a property adjuster with Travelers Insurance, where he gained invaluable insights into the claims process. Over the years, Steven became the owner of one of the largest insurance repair companies in Washington state, a position he held for 16 years.
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His expertise extends to growing a small start-up restoration contractor in Idaho into a successful company with five offices across five states. Throughout his career, Steven has helped settle thousands of insurance claims, ranging from small water losses and major house fires to multi-million-dollar claims, demonstrating his vast experience and dedication to the industry.
Frequently Asked Questions
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What is a public adjuster, and how can they help me with my property damage insurance claim?A public adjuster is a licensed professional who represents policyholders during the insurance claims process. If your home or business has been damaged by a hurricane, fire, flood, or other disaster, a public adjuster can help you manage the claim and negotiate with your insurance company to ensure you get the maximum settlement possible. We handle the entire claims process so you don’t have to worry about navigating complex insurance terms or paperwork.
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When should I hire a public adjuster for my property damage claim?You should consider hiring a public adjuster immediately after your property sustains damage. Whether you’re dealing with hurricane damage, fire damage, flood damage, or even vehicle impact damage, the sooner a public adjuster is involved, the better. Our team can quickly assess your property, review your insurance policy, and work to maximize your settlement from the start.
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Can a public adjuster help with both home insurance and commercial property insurance claims?Yes, public adjusters can assist with both residential and commercial property insurance claims. Whether you’re a homeowner dealing with water damage or a business owner managing tornado damage, our experienced public adjusters handle claims for all types of properties and ensure you get the compensation you’re entitled to.
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How does the property damage claims process work with a public adjuster?When you hire a public adjuster, we start by conducting a thorough damage assessment of your property, whether it’s your home or business. We’ll then review your insurance policy to identify coverage details. From there, we handle filing your claim, negotiating with your insurance company, and making sure all documentation is in order. This helps to speed up the process and ensures that you receive the maximum payout for your property damage claim.
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How much does it cost to hire a public adjuster for my insurance claim?Public adjusters typically work on a contingency fee basis, meaning there are no upfront costs to you. Our fee is a percentage of your final settlement, so we only get paid when you do. This ensures that we are fully invested in getting you the best possible settlement for your property damage.
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I have a contractor—why do I need a public adjuster for my property damage claim?While your contractor can help assess and repair the physical damage to your home or business, they are not experts in navigating insurance policies or negotiating settlements. A public adjuster specializes in interpreting the details of your insurance policy and ensuring you get the full payout you’re entitled to. While contractors focus on the restoration work, public adjusters handle the entire claims process, including documentation, communication with the insurance company, and negotiating the maximum settlement. Together, they form a complete team to restore your property and ensure you aren’t left underpaid.
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What are the benefits of hiring a public adjuster for my insurance claim?Hiring a public adjuster offers several advantages. We are experts in insurance policy language, which means we can identify coverage you may have missed. We manage all communication with your insurance company, saving you time and reducing stress. Most importantly, public adjusters are committed to maximizing your settlement, whether you’re dealing with water damage, fire damage, or any other type of property loss. Our goal is to make sure you receive every dollar you’re entitled to under your policy.
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Can a public adjuster help if my property damage insurance claim was denied or underpaid?Yes, if your insurance claim was denied or underpaid, a public adjuster can review your case and file an appeal on your behalf. We’ll carefully review the reasons for the denial, check your insurance policy, and work to overturn the decision, often securing a higher settlement for your home or business.
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Will hiring a public adjuster delay my insurance claim?No, hiring a public adjuster can actually help expedite your insurance claim. We know how to navigate the claims process and avoid common delays that homeowners and business owners may face when filing on their own. Our goal is to resolve your claim quickly and ensure that you get the compensation you deserve for your property damage.
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What types of property damage claims can a public adjuster help with?A public adjuster can assist with a wide range of property damage claims, including hurricane damage, fire damage, water damage, flood damage, hail damage, tornado damage, earthquake damage, slab leaks, and vehicle impact damage. Whether you need help with your homeowner’s insurance claim or your commercial property insurance claim, we’re here to guide you through the process and maximize your settlement.
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How long does the property damage insurance claim process take with a public adjuster?The length of the claims process can vary depending on the complexity of the damage and the responsiveness of your insurance company. However, hiring a public adjuster can help streamline the process. We work efficiently to assess the damage, prepare documentation, and negotiate with the insurance company. In many cases, our involvement helps speed up the timeline, ensuring your home or business receives the compensation needed for repairs as quickly as possible.