FAQs
Who are Public Adjusters and what do they do?
We are licensed and experienced property claim adjusters working for you, and not for the insurance company. We make sure your insurance claim will be covered and paid in full. We also can advise you – before the claim is even filed – whether your claim is worth filing the first place: will the claim be covered by your policy, and whether the payment amount you may receive will be large enough to warrant filing a claim. We can also review your policy to make sure it’s optimized, protects your property well and that you are not paying for something you don’t actually need. The initial inspection and the services mentioned above are completely FREE for you! Further, we handle for you all the hassle and aggravation of communicating with the insurance company.
Why do I need to hire a Public Adjuster to advocate on my behalf?
While there are many insurance companies’ adjusters who are earnest and sincerely want to help the policyholders, the insurance companies’ internal guidelines and culture encourage adjusters to underpay claims and to try to find ways to deny claims altogether. Having a Public Adjuster on your side will guarantee that your rights will be protected, that your claim will be covered and paid fairly. Show your insurance company that you mean business – hire us to represent you!
Why do I need a Public Adjuster? My contractor said he can negotiate on my behalf.
Firstly, insurance companies are in no way obligated to negotiate with contractors, and often refuse to do that. Secondly, contractors rarely understand nuances in the policies, state statutes and case law that direct the insurance companies how they should pay claims. Thirdly, the contractors oftentimes are not skilled in creating itemized estimates using the insurance industry’s databases and software that are crucial in justifying the amount of the claim. And fourthly, the contractor will know precisely how much and when you get paid; if you hire a Public Adjuster, you don’t need to disclose to any contractor you may hire how much you got paid and for what.
How do Public Adjusters get paid?
We charge a small percentage fee of the claim after it is paid with our help. You pay $0 up front, only after you get the claim check. We completely guarantee your claim will be paid, and you have no financial risk in hiring us.
Should I file the claim myself, and call you sometime afterwards?
While we can reopen and appeal your claim to address any underpayment, your claim will be paid better and quicker if you allow us to file the claim and handle the process from the beginning. The way the claim is presented initially is critical, and the insurance company will likely use any missing or misinterpreted information to deny of the claim, resulting for you in an often lengthy and complicated appeal process.
Can you get me paid more on the claim I have already filed?
Having said that, we can reopen your previous claim that you have handled by yourself, and we guarantee we will get you paid more, often substantially.
What type of claims do you handle?
Flood, plumbing leaks (burst pipes, water heaters, appliances, sewer back up, etc.), vandalism, fire and smoke, hurricane and hail, etc.
Will my insurance premiums go up, or will my insurance company drop me if I file a claim?
While your premiums may go up, we guarantee that the amount you will get paid will greatly exceed any premium increases. Per PolicyGenious.com, the insurance policy aggregator, an average rate increase for filing a claim is 7-10% per year; if your policy costs $2,000 (national average) that’s about $140-200 per year. An average plumbing leak claim, however, is worth $15-25 thousand. In most cases, the math is definitely in favor of filing a claim; after all, the reason you are paying for insurance in the first place is to get reimbursed for damages. Further, there are laws that prevent the insurance companies from “dropping” policyholders for filing legitimate claims.
How long does the claim process take? How quickly will I get paid?
Claims get paid generally within a month, sometimes within three months. More than that is rare and will be due to special circumstances.
Can you reopen my previous claim to get me paid more? Can I file a new claim for old damage? Is there a statue of limitations?
Of course, we can reopen an old claim for you to get you paid more. Insurance companies almost never pay everything they owe up front. And even if you have not file a claim right away the policies always allow you time to do that. Depending on your policy and type of a claim you typically have between 2 and 5 years to either reopen an old claim or to file a new claim for a previously unreported damage. And you cannot file a claim for any damage that has since been repaired, even if you have the receipts.
Do I have to fix damages I have claimed?
Legally, you are not obligated to do any repairs even if your insurance company has paid for them. Your home or business property is just that, your own property. You may certainly repair the damages, you may repair some of the damages, you may repair something else in your home, or invest the claim proceeds the way you wish. However, you may not file another claim to get paid for something you have been paid before, even if you have changed an insurance company since then.
PUBLIC ADJUSTER FIRM
Bureau of Insurance Claims Assistance is a licensed and bonded public adjusting firm dedicated to standing up for policyholders when it matters most. We represent you — not the insurance companies — to ensure you receive the full and fair compensation you’re entitled to after experiencing property damage or loss.
With years of experience navigating complex insurance policies, we’ve built a reputation for excellence, transparency, and results. Whether you’re facing the aftermath of a fire, plumbing leak, storm, hurricane, or other property-related event, our team steps in to take the burden off your shoulders.
We understand how overwhelming the claims process can be. That’s why we handle every aspect of your claim — from inspecting the damage and documenting evidence, to negotiating directly with your insurer. Our mission is to advocate for you, protect your rights, and maximize your payout.
At the Bureau of Insurance Claims Assistance, we don’t just file claims — we deliver results. Our case history speaks for itself: we’ve helped countless homeowners and businesses recover significantly more than what was initially offered by their insurance carriers. From the smallest leak to catastrophic storm damage, we fight to ensure nothing gets overlooked or undervalued.
We are proud to serve clients in multiple cities and communities with the same commitment, attention to detail, and care we would provide to our own families. Every client, every claim, every dollar recovered matters to us.
Why choose us?
Because your property matters, your peace of mind matters — and most importantly, your rights as a policyholder matter. At BICA, we level the playing field and make sure the process works for you.