Contractors & Public Adjusters: Clear Roles, Better Claims
Contractors repair the property. Public adjusters handle the claim.
Contractors handle the repair work.
They inspect damage, prepare repair estimates, explain construction needs, and complete the work.
Public adjusters handle the insurance claim.
They represent the policyholder, document the covered loss, communicate with the insurance company, and negotiate for a fair settlement.
Why the Line Matters
Insurance claims are not just construction estimates.
They involve policy language, coverage issues, depreciation, code upgrades, matching disputes, exclusions, carrier estimating tactics, and negotiation.
That is why contractors should not be expected to act as claim representatives — and public adjusters should not act as contractors.
Clear roles create cleaner claims.
What Contractors Can Do
Contractors may:
• Inspect physical damage
• Prepare repair or replacement estimates
• Explain materials, labor, and construction methods
• Perform emergency services or mitigation
• Complete approved repairs
• Provide factual repair documentation
What Public Adjusters Do
KCC handles:
• Policy review
• Claim documentation
• Damage valuation
• Carrier communication
• Estimate disputes
• Scope disagreements
• Negotiation
• Underpaid, delayed, or denied claims
When a Homeowner May Need KCC
A homeowner may need a licensed public adjuster when:
• The insurance estimate is too low
• The carrier missed damage
• The claim is delayed
• The carrier denied part of the loss
• Roof, interior, code, or matching issues are being disputed
• The contractor’s estimate and carrier estimate are far apart
• The homeowner does not know how to fight the insurance company
How KCC Works With the Claim
KCC does not replace the contractor.
KCC represents the policyholder in the insurance claim so the covered damage is properly documented, valued, and presented.
The contractor stays focused on repairs.
KCC stays focused on the claim.
The homeowner gets proper representation.
If you are a homeowner with an underpaid or disputed insurance claim, call KCC before accepting the insurance company’s number. If you are a contractor working with a homeowner whose claim appears underpaid or stuck, the homeowner may need licensed public adjusting help.
Keathley Claims Consultants
Licensed Ohio Public Adjuster #1367111
Serving Ohio homeowners for over 15 years
Over $20 million recovered
Call (419) 504-1601
No recovery, no fee
We have your back and will work hard to gain and maintain your trust in us as your “Go-To” Public Adjusters!
Here Is What Other
Contractors Say About Us
Three Reasons Why You
Need A Public Adjuster
1
We Partner With Industry Experts
We want to provide the best service and outcomes for our contractors and insureds. This is why we partner with industry experts such as Forensic Engineers, Industrial Hygienists, and Building Consultants when the loss requires.
2
We Know The Laws
Restoration contractors are an essential part of the recovery process, but most states have laws making it illegal for contractors to file and adjust claims or interpret policy. It would be considered the Unauthorized Practice of Public Adjusting. We keep you on the right side of the law which saves and makes you more money.
3
By taking responsibility for the detailed loss investigation and documentation, meeting with adjusters, engineers, etc., and writing scopes and loss valuations all while doing the policy research and interpretation, we save you time and get you more money for the job.
We Take The Work Load Off The Contractor