Insurance company adjuster
Represents the carrier
Investigates and evaluates the claim for the insurance company under its procedures and policy interpretation.
Georgia property insurance claims
Understand the issue before choosing the next move.
Capital Claims can represent the insured from the beginning of a new property claim or step in when an existing claim becomes denied, underpaid, disputed, or stalled.
Who represents whom
The difference is the client.
A public adjuster represents the insured policyholder. The adjuster assigned by the insurance company represents the carrier.
- Review the claim file and relevant policy provisions
- Evaluate documented damage and the insurer’s scope
- Organize estimates, photographs, reports, and timelines
- Present and communicate the policyholder’s claim
- Support reinspections and supplemental documentation when warranted
Public adjuster
Represents the policyholder
Evaluates, documents, and presents the insured’s property claim within the licensed role.
When representation may help
Support from the beginning—or when the claim gets off track.
The right role depends on the stage of the claim, the available documentation, and the specific issue that needs to be addressed.
Starting a new claim
Organize the loss, documentation, inspection, and carrier communication correctly from the beginning.
Scope appears incomplete
Observed damage or required work does not appear in the carrier estimate.
Payment appears insufficient
The issued payment and documented repair scope differ materially.
Storm damage disputed
A legitimate disagreement exists about cause, timing, or extent.
Supplement needed
Additional supported damage or cost information must be organized and presented.
Claim has stalled
Communication, inspections, or document requests have become difficult to track.
Reinspection requested
The next inspection needs to address clear, documented points.
Scopes differ
The contractor’s repair scope and carrier estimate diverge in supportable ways.
Claim denied
The denial letter, cited policy language, and supporting facts need a careful review.
Claims we may assist with
Different losses. One disciplined process.
Assistance depends on the policy, cause and date of loss, available evidence, claim posture, and whether public-adjuster services are appropriate.
Wind & hail
Documented exterior and related interior damage attributed to a covered storm event.
Roof claims
Scope, repairability, material availability, and documented storm-damage questions.
Water damage
Building materials, contents, mitigation, and repair-scope issues.
Interior damage
Ceilings, walls, flooring, finishes, and other documented property damage.
Residential claims
Property claims affecting Georgia homeowners and residential insureds.
Commercial claims
Building losses requiring organized documentation and clear scope presentation.
Denied claims
Review of the carrier’s written position, evidence, and potentially available next steps.
Underpaid & supplemental
Supported scope and cost differences requiring additional documentation.
The process
What representation can involve.
Each claim is different, but the work should follow a clear structure.
Claim review
Loss, status, key dates, insurer position, and concerns.
File evaluation
Policy materials, estimates, letters, photographs, and property conditions.
Documentation
Supporting evidence is organized around the actual issue.
Carrier communication
The policyholder’s supported position is presented and discussed.
No outcome is guaranteed. Policy language, facts, damage, causation, timing, documentation, deductibles, limits, exclusions, and carrier findings all matter.
Frequently asked questions
Before you decide.
What does a public adjuster do?
A public adjuster is a licensed insurance professional hired by an insured to assist with a property claim. Work may include reviewing documents and policy provisions, evaluating damage, preparing support, and communicating the insured’s position.
When should I consider hiring one?
Consider a review when a claim is denied, materially underpaid, missing documented damage, difficult to understand, or stalled—or when a significant scope or causation disagreement exists.
Can a public adjuster help after a denial?
Potentially. The denial may be reviewed against the facts, claim record, and applicable policy language. Some disputes may instead require legal advice from an attorney.
Can I hire one after the insurer inspected?
Generally, an insured may hire a public adjuster after inspection or payment, subject to the facts, deadlines, contract terms, and applicable law.
What is an underpaid claim?
It is a claim where the insured believes the payment or scope does not account for covered damage or reasonable repair costs. The difference must be evaluated with evidence—not assumption.
How does a public adjuster get paid?
Public adjusters commonly work under a written fee agreement tied to claim proceeds, subject to applicable law and an approved contract. Capital Claims explains its fee in writing before engagement.
Can a contractor negotiate my claim?
Georgia contractors may explain their own bid, but they may not act as the public adjuster on property where they provide or may provide contracting services.
What should I have ready?
If available: policy declarations, claim number, date of loss, carrier estimate, payment or denial letters, photographs, contractor estimates, invoices, mitigation records, and a timeline.
Discuss the actual claim
General information only goes so far.
A claim-specific review starts with the real documents, damage, timeline, and carrier position.
Request a claim review