About KCC Public Adjusting

Licensed

Ohio Public Adjuster License 1367111

15Yr+

Years of Experience

Hands-On

Support from first call to settlement

License & Service Boundaries

Licensed Ohio Public Adjuster Help For Property Claim Disputes

Homeowners and business owners should know who is representing them before a claim dispute moves forward. KCC provides licensed Ohio public adjuster support for policyholders dealing with fire, smoke, wind, hail, storm, underpaid, delayed, denied, and appraisal-related property insurance claim disputes.

Ohio Public Adjuster License 1367111

Keathley Claims Consultants is a licensed Ohio public adjusting firm representing policyholders in property insurance claim matters.

Policyholder-Side Representation

KCC represents the insured, not the insurance company, in claim documentation, estimate review, negotiation, and appraisal-related valuation support.

Property Claim Focus

KCC focuses on fire, smoke, wind, hail, storm, roof, siding, water, underpaid, delayed, denied, and disputed property insurance claims.

Appraisal and Umpire Support

KCC can discuss appraiser and umpire roles when coverage is accepted but the amount of loss remains disputed.

Service Boundaries

KCC is not a law firm, contractor, or insurance carrier and does not provide legal advice or repair services.

We Are Passionate About Helping Customers Rebuild Their Lives After Tragedy Strikes

Recovering after disaster strikes is a highly stressful time, but then you add on dealing with insurance companies, and the stress gets magnified. Insurance companies will look for ways to underpay or even wrongfully deny your claim leaving you to try and rebuild your life with pennies on the dollar you are rightfully owed. When your insurance company gives you the run around, you need the experts at Keathley Claims Consultants. With over a decade of experience helping policyholders across Northern Ohio and statewide Ohio, we fight to get you everything outlined in your policy. Call our office today at 419-504-1601 to discuss your claim and learn how we can help.

What Does a Public Adjuster Even Do?

We're sure you've asked yourself this question, and we hear it all the time. Whenever you experience a loss to your home or property, those responsible for making you whole again send out their adjuster to investigate and let you know how much they owe you. It sounds like a conflict of interest. It's far too commonplace for insurance companies to deny covered property owners the total amount they are rightfully owed.

That's where public adjusters can help protect your interests. We evaluate the damages you've incurred and present those estimates to the insurance company on your behalf. If there is any pushback, we continue to advocate for you to ensure you get paid what you're entitled to, not what the insurance company is willing to pay.

Keathley Claims Consultants Story

Ryan Keathley | CEO & Founder | Ohio Public Adjuster License 1367111

Our CEO & founder, Ryan Keathley, has worked in the insurance industry for over fifteen years. After working for various insurance companies as an independent adjuster, he became frustrated and disillusioned with how insurance companies treated their customers. This is what led Ryan to "switch sides" and become a public adjuster. He wanted to genuinely be able to help people when disaster struck their homes, unlike most insurance companies, which are paid to help but do as much as they can to not fulfill that promise.

This is why KCC was started. We love fighting for the "little guy" and in the insurance business, the customer is the little guy. For the last five years, we have spent all our energy holding insurance companies accountable for their actions, and more importantly, we have helped countless individuals, families, and businesses rebuild their lives after disaster struck. WE ARE HERE TO FIGHT FOR YOU!

Our Time-Tested Claim Filing Process

Emergency Response

If there is potential additional damage, we will contact a local team to visit your property for immediate fixes and provide protection to mitigate the damage.

Inspection & Policy Review

As soon as possible, we will send out our public adjuster to examine the damages and document our findings in preparation for filing. During our inspection, if we determine your property contains hazardous materials such as lead or asbestos, we will include them with our findings to count them in the final total. Once we have completed our inspection, we take a deep look at your policy to review what you are covered for. Doing this gives us a clear path on which sections of your policy to invoke and what insurance coverage you may have.

File Claim & Insurance Negotiations

After reviewing our findings with you, we will prepare to send a finalized claim of damages to the insurance company. Should the insurance company push back on our claim, we will begin the negotiation process and get the settlement that you are entitled to.

From Beginning To End, Our Step-By-Step Process

Onboarding Phase

Initial Contact: This is where the client makes contact with KCC to notify us that they require our services.
Intake Form: Once KCC knows of your needs, we will send a general information form to the client to gather all the necessary information about the client and their claim, so we may better evaluate the situation.
Contract/LOR Signing: Now that we have a general idea of your situation/needs and have determined that we can help you, we will send a contract & letter of representation for the client to sign. These documents allow KCC to legally represent the client throughout the claim process.

Discovery Phase

Damage Review: As soon as possible, we will send out our inspector adjuster to examine the damages and document our findings in preparation for filing. At some point, the client's insurance company will also independently perform an inspection.
Documentation Request: As our damage review is in progress, we will also contact the client's insurance company and request all necessary documentation from them.
Initial Filing: If this is not a previously filed claim, KCC will file the initial insurance claim on behalf of the client. This is meant to notify the insurance company of the claim and KCC's involvement.

Filing/Negotiations Phase

Documentation Retrieval/Submission To Carrier: Now that we have our documentation and the insurance company's documentation, we will review everything and determine what should be the response of the insurance company. After that determination, KCC will finalize the claim by sending our evaluation, documentation, and official statements to the client's insurance provider.
Negotiations: This is where KCC earns the client's faith in us. Now that all parties know what each believes should be done about the claim, negotiations begin. If both parties can agree, then negotiations can conclude with KCC and the insurance provider coming to an agreement. If both parties can not reach a settlement, the two options are the appraisal process — where a third-party appraiser will evaluate the case — or litigation, where KCC will provide a referral to a lawyer and we will work with that lawyer to settle the claim through the court system.
Settlement/Repairs: Finally a settlement has been reached! A check or multiple checks will be sent to the client or KCC that will need to be paid out to the contractor. Once all parties are properly compensated, the only thing left is for the client to get their property repaired and more importantly, get their life back to normal as best they can.

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