A transparent, step-by-step look at exactly what working with Delaware County Public Adjuster looks like — from the day you call to the day the check clears.
Call or fill out the contact form. We'll ask a handful of questions about the damage, your policy, and any communication you've already had with the carrier.
An adjuster visits your property — usually within 24–48 hours — and documents every affected area with photographs, measurements, and moisture readings where applicable.
We pull your full policy and analyze coverages, sublimits, exclusions, endorsements, and any prior-loss history that could affect the claim.
If we both agree the claim is worth representing, you sign a simple written representation agreement and we file (or take over) the claim with your insurance carrier.
We prepare a complete, line-by-line scope of repair using industry-standard Xactimate pricing and current local labor and material costs.
We present the estimate to the carrier's adjuster, address every objection in writing, and supplement the file with additional documentation as needed.
Once a fair number is on the table we walk you through it line-by-line. The decision to accept or push further is always yours.
The insurance check is issued in your name. We invoice you for our contingency fee from the proceeds — never up front.
Whether you ultimately hire a public adjuster or handle the claim alone, these are the steps that protect your right to recover.
Make reasonable temporary repairs to prevent further damage — for example, tarp a damaged roof or shut off the water main. Save all receipts; these costs are typically reimbursable under your policy.
Take dated photos and video of every affected room, exterior surface, and damaged item before any cleanup or demolition begins.
Locate your declarations page and full policy. If you can't find them, your insurance agent must provide a copy on request.
Anything you say to the carrier — even casually — can end up in the claim file. Stick to facts. Don't speculate about causation, pre-existing conditions, or repair costs.
Carriers sometimes ask for a recorded statement or a "release" early in the claim. Don't sign anything releasing the claim until you understand what you're owed.
The first consultation is free, and we'll be straight with you about whether a public adjuster is worth it for your specific situation.
From initial inspection to final settlement, typically 4–8 weeks depending on carrier responsiveness and scope.
Larger claims with structural, contents, and ALE components typically take 3–6 months to resolve fully.
Disputed or supplemental claims vary widely — anywhere from a few weeks for a documentation gap to many months for a formal appraisal.
Get a free, no-obligation policy review from a licensed public adjuster who works for you — not the insurance company.
