Frequently Asked

Questions

These are some common questions that KCC has received. Here, we will address your most pressing questions and concerns, while doing our best to ensure clarity.

  • A public adjuster is a claims handler who represents you in filing and negotiating your insurance claim. While the insurance company’s adjuster is accountable to his or her employer, a public adjuster is a licensed professional claims handler whose priority is to advocate for the policyholder in the claims process.

  • When it comes to insurance claims, you are responsible for proving your loss to your insurance company. Aside from attorneys, a licensed public insurance adjuster is the only entity licensed by the state to represent you, the insured. As a Public Adjuster, we handle all of the work regarding your claim.

    Think of it this way: If you were involved in a legal matter, you wouldn’t choose to represent yourself. Instead, you would hire an attorney to represent you. The scenario isn’t all too different when it comes to insurance claims. It is important to remember the adjuster hired by the insurance company works to protect their interests while a Public Adjuster works ONLY for you.

    (We are not attorneys and do not offer legal advice. Please contact an attorney for legal advice.)

  • No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising your right to have a public adjuster representing you in regards to your insurance claim.

  • In our experience, you’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage.

  • You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.

    That said, KCC can be brought in at any part of the claim process.

  • No. KCC does not offer legal advice or contractor services. Please contact an attorney for any legal advice. That said, we can collaborate with your contractor to make sure all damages are being addressed in your estimate presented to the insurance company.

  • We have expertise in a variety of residential and commercial insurance claims such as: water, tornado, wind, hail, fire, collapse, water backup, pipe burst and other related accidents and natural disasters.

  • Our fee is based upon a percentage of the insurance company’s settlement to you. There are no upfront fees for our services. It is in our best interest to look out for our clients’ interest and get your claim settled.