Frequently Asked Questions

What’s the difference between a Texas public adjuster and the insurance adjuster from my insurance company?

A public adjuster serves the public while the insurance adjuster serves the insurance company for which he works. Who do you think will be more thorough when inspecting your home for covered losses, a public adjuster who gets paid by you or an insurance adjuster who gets paid by the insurance company?

How do public adjusters get paid?

In Texas, public adjusters get paid a percentage of the final settlement. The maximum limit is ten percent of the new monies received. For example, if your total insurance claim settles for $30,000, the most that the public adjuster in Texas will be paid is $3,000. Since the payment is taken out of the settlement, you do not need to come up with any upfront money or take out a loan in order to work with a public adjuster.

Should I hire a public adjuster or do it myself?

If you can: handle contracts, have the free time, conduct through inspections, negotiate professionally, be aggressive in obtaining your rights, and understand your full insurance policy; then you MAY BE able to handle the ins and outs of your claim.

ACRUX, LLC is very familiar with the ins and outs of insurance policies.  The public adjuster is highly motivated to ensure that a maximum settlement is reached. Obtaining a maximum settlement requires attention to detail, hard work, and excellent negotiations skills. Simple claims, like a small leak, can lead to a massive amount of paperwork and result in hard-to-spot damage.  

How do I estimate my loss? Will I recover enough to rebuild?

ACRUX, LLC specializes in getting you everything due to you through your policy; you can eliminate uncertainty with our professional assistance.

Will I get paid faster by using a public adjuster?

Insurance laws, in most states, require prompt payment. If incomplete paperwork is submitted to the insurance company, the insurance company can delay payment until the documentation is corrected. A public adjuster understands insurance forms, and because the paperwork has been filled out correctly, stalls related to requests for further documentation are rare.

What types of insurance claims qualify for help by a public adjuster?

A public adjuster can handle most types of insurance claims.  These include claims that involve: residential, business, automotive and aircraft claims resulting from damage by a storm, flood, fire, explosion, tornado, hailstorm, high winds, vandals or other causes.

I pay for insurance and am entitled to a fair claim. Why should I pay an public adjuster to get what my insurance company owes me?
If you want everything which is due to you under your policy, you will need a thorough understanding of your policy.  It is “your” responsibility to document and prove your claim to the insurance company. It is up to you to claim everything that you can.  ACRUX, LLC‘s public adjusters will help you find every item that was damaged and is covered under your policy.  We deal with insurance claims daily and can help you navigate the complexities of filing insurance claims, taking the burden off of you while also making sure that nothing is overlooked. This includes making sure that estimates take into account appropriate types of building materials as well as local building codes and permits.  ACRUX, LLC works to get you every penny you deserve.

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