A Public Adjuster is the only type of adjuster licensed by the state to represent you, the policyholder.
Unlike insurance company adjusters, a Public Adjuster works exclusively on your behalf, with no conflict of interest.
Because they are **hired by you-not the insurance company-**Public Adjusters are free to advocate for your best interests and help you pursue the maximum settlement you deserve.
An Insurance Company Adjuster is employed directly by the insurance company and is ultimately responsible for protecting the company’s financial interests—not yours—when
assessing your loss.
An Independent Adjuster, while not a direct employee, is contracted by the insurance company to represent its interests. Although they may appear neutral, they work on behalf of the insurer, not the policyholder. As a result, they may not fully inform you of all your options, potentially
leading to a lower settlement than you deserve.
While you certainly can file your own insurance claim, it’s wise to consult with a Public Adjuster first—before making a mistake that could cost you.
Moreno Public Adjusters offers free consultations, providing valuable information to help you make an informed decision about how to move forward.
Many homeowners who choose to handle their own claims don’t receive the full settlement they’re entitled to, simply because they lack the experience and knowledge needed to effectively navigate the claims process and challenge the insurance company.
If you notice any signs of sinkhole activity on your property, time is of the essence. Please contact our office immediately to schedule a free personal consultation. We will provide a thorough and honest assessment of your situation. Early detection can help prevent further damage.
Our services can be crucial in securing a full and fair settlement and in protecting both the structural integrity and market value of your property.
Filing an insurance claim can be a complex and overwhelming process. At Moreno Public Adjusters, we have the expertise and resources necessary to handle even the most complicated claims, along with the supporting documentation required to present a strong case to your insurance company.
We manage all communications, including phone calls, letters, and paperwork, so you don’t have to.
By taking advantage of our free consultation, you’ll receive an honest and thorough assessment of your situation.
We work exclusively for you, making your successful financial recovery our top priority.