After a fire or a burst pipe, the insurance company sends an adjuster within days. It is worth understanding who that person actually works for, and what your options are as a policyholder in Oregon.
Company adjuster vs. public adjuster
The adjuster your insurer sends is paid by your insurer. That does not make them dishonest, but their job is to value the claim for the company. A public adjuster is licensed to represent you, the policyholder: documenting the loss, preparing the claim, and negotiating the settlement on your behalf.
When it makes sense to hire one in Oregon
Consider a public adjuster when the loss is large or complex, when the first offer does not come close to the cost of repairs, when your claim has been denied or underpaid, or when you do not have time to fight a months-long claim. This is most common with fire damage claims and water damage claims, where hidden damage behind walls is routinely missed in a first estimate.
What to do before anyone arrives
Photograph everything before cleanup. Keep receipts for temporary repairs and lodging. Do not discard damaged property until it has been documented, and do not give a recorded statement until you understand what your policy actually covers.
Serving Portland, Eugene and all of Oregon
Acuity Adjusters represents policyholders across Oregon, including Portland, Eugene and Oregon City. Free, no-obligation review of your claim.