When you need a public adjuster or property loss consultant, Bi-State Public Adjusters is the team you need!

Unexpected situations occur – it’s a way of life. When that happens, you need adjusters ready to assist. We’ve been serving the Midwest since 2012 in all types of insured property, endorsements and forms. As an industry leader in providing exceptional service and results, we operate on the belief that in order to “get more” from the insurance claims process, you need to “get more” from your professional. That starts with personal attention.

What exactly is a public adjuster?

A public adjuster works exclusively for you the policyholder – not the insurance company. Licensed by the state, a public adjuster is a trained professional that steps in to help negotiate with the insurance company on your behalf. When filing a claim, it is important to understand the insurance company works in their best interest, not yours. Their adjusters are trained to provide the best outcome for them. Having your own public adjuster will substantially increase your settlement.

Avoid the runaround

The claims process can be confusing. Our expertise and knowledge helps provide peace of mind and confidence in representing your interests and financial recovery. No one wants to deal with red tape or being taken advantage of. We assess the situation to make sure every piece of the puzzle is in place to get everything you’re entitled to based on the conditions of your policy.

Some of our representation includes:

  • Fire damage
  • Smoke damage
  • Water damage
  • Property theft
  • Bursted Pipe
  • Wind damage
  • Vandalism
  • Roof damage
  • Business interruption

When faced with a claim, many people wonder whether not the claim is too small. The truth is, no claim is too big or too small – every loss counts. There are situations where your claim was denied, even though you have extensive damage. We reopen those claims and fight for your rights. There are too many instances where families are left in limbo because they didn’t have the right advice, or felt they had no recourse. At Bi-State Public Adjusters, we won’t let it happen.

Understanding the process

We follow a detailed process, informing you of our progress every step of the way:

  • File claim usually within 24 hours after our initial consultation, along with a Letter of Representation authorizing us to represent you.
  • Schedule an inspection with the adjuster from the insurance company to review your loss.
  • We prepare an estimate of damages for the insurance company, along with any other documentation needed.
  • We handle your to the end – the insurance company will not need to contact you.

Insurance companies are notorious for trying to get you to sign or agree to a settlement before you fully understand the extent of your damages. Don’t do it! Let us represent your interests and make sure you receive the highest compensation for your claim. It’s never a good feeling to not have the money you need for repairs, when you had the insurance to cover it. Start with the basics – hire Bi-State Public Adjusters Today!

 Serving Missouri and Illinois