Public Adjuster FAQs

A public adjuster is a licensed insurance professional who represents policyholders in the preparation, negotiation, and settlement of property damage insurance claims. Unlike the insurance company’s adjuster — who works for the insurer — a public adjuster works exclusively for you, the policyholder, to ensure you receive a full and fair settlement.

Sill Public Adjusters is the largest and most experienced public adjusting firm in North America. With nearly a century in business, our team has recovered hundreds of millions of dollars for homeowners, businesses, and organizations. We work only for policyholders, never for insurance companies. Learn more about Sill.

Insurance company adjusters are hired to protect the insurer’s bottom line. Sill works exclusively for you. Our adjusters, building consultants, and forensic accountants evaluate your loss, prepare detailed documentation, and negotiate directly with the insurer to maximize your recovery.

The earlier you call us, the better. Hiring Sill immediately after a loss ensures your claim is set up correctly. We can also step in if your claim was underpaid, denied, or the process has stalled. Start a claim here.

We specialize in large and complex property losses: fire & smoke, water & flood, hurricane, tornado, wind & hail roof, business interruption/loss of income, building collapse, winter weather damage, and vandalism. We also represent schools, non-profits, and municipalities.

We work on a contingency fee basis. There are no upfront costs — we only get paid when you get paid. Our fee is a percentage of your final settlement.

Every case is different, but policyholders who hire Sill often recover significantly more than they would on their own. Our team identifies hidden damages, values business interruption, and negotiates to secure the maximum recovery allowed by your policy.

Yes. We can review your file and, when warranted, reopen negotiations with your insurer. Our goal is to pursue every dollar you are entitled to under the policy — even if your claim was previously closed.

Experience, scale, and results. We offer nearly 100 years of proven experience, national coverage across the U.S. and Canada, a deep bench of construction experts and forensic accountants, and a track record of recovering hundreds of millions for policyholders.

We have offices across the United States and Canada and can mobilize quickly. Explore our Public Adjuster Near Me hub for local support.

Timelines vary by claim complexity, scope of damage, and insurer responsiveness. Some claims resolve in weeks; large or complex losses can take months. Our involvement helps keep your file moving and fully documented.

Both. We represent single-family homes, multi-family, HOAs, schools, manufacturing facilities, warehouses, retail centers, hospitality, healthcare, religious institutions, and more.

Yes. When needed, we coordinate with attorneys, engineers, hygienists, contractors, and CPAs to strengthen your claim and support negotiations.

We are licensed in nearly every U.S. state and across Canada. Check our locations directory or call 844-650-7455 and we’ll confirm availability in your area.

Claims are complex and time-consuming. By hiring Sill, you gain an advocate who levels the playing field, manages every detail, and fights for the maximum recovery under your policy.

Our corporate headquarters are at The Genesis Building, 6000 Lombardo Center, Suite 600, Cleveland, OH 44131. Explore key city office pages: Cleveland (HQ), Chicago, Houston, Orlando, Denver, Seattle, Philadelphia, Pittsburgh, Atlanta, Toronto.

We serve policyholders across North America and are licensed in nearly every U.S. state. Visit our locations hub to find local support.

No. Sill works on a contingency basis — if there’s no recovery from the insurer, you owe no fee. In some cases, third-party costs (for example, engineering or specialty testing) may be separate and only incurred with your prior approval and where permitted by law.

We’re known for large and complex claims, but we evaluate losses of all sizes. If your claim is smaller, we’ll advise you on next steps, share self-help resources, or, when appropriate, refer you to trusted partners so you still get the guidance you need.

Helpful items include your policy and declarations, correspondence from the insurer, photos/videos of damage, contractor estimates, receipts, and inventories. For business losses, gather financials (P&L, payroll, tax returns). If you don’t have these yet, call anyway — we’ll help you compile what’s needed.

We don’t perform repairs. Your contractor rebuilds; Sill documents the scope, values the loss, and negotiates with the insurer. We coordinate on estimates, materials, and code upgrades to ensure the claim reflects the full, proper cost to restore the property.

Yes. We can step in at any stage — early filing, after a partial payment, or following a denial. We review your file, identify gaps, supplement documentation, request reinspections if warranted, and handle negotiations to pursue the full benefits of your policy.