The average home insurance claim denial rate stands at a shocking 37%, and major insurance companies paint an even grimmer picture—denying 40% to 50% of all claims they receive.
These odds make knowing when to call a public adjuster absolutely critical. Research shows that homeowners receive dramatically higher settlements when a public adjuster represents them—especially in severe loss cases, like fire or lightning damage that can reach $84,000 or more.
Many homeowners start their claims alone, but experts recommend professional representation for damages above $50,000. A public adjuster’s value grows with the complexity and size of your claim.
At Sill Public Adjusters, established in 1928, our mission is to make sure property owners recover every dollar they deserve. Sill’s licensed experts have helped thousands of homeowners and businesses nationwide handle denied, delayed, and underpaid claims with confidence.
📞 If your claim feels stalled or underpaid, call Sill Public Adjusters today at 844-650-7455 or visit www.sill.com.
7 Hidden Signs You Should Call a Public Adjuster
Knowing when to get help can save you thousands of dollars—and countless headaches. Here are seven red flags that mean it’s time to call a professional like Sill Public Adjusters:
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You received a low original settlement offer
Insurance companies often open with lowball offers hoping you’ll settle fast. Sill’s adjusters analyze your estimate line by line to ensure you’re offered fair value for your damage. -
The insurance company is delaying your claim
Many insurers use “delay and deny” tactics to wear claimants down. Sill manages the process, documents every communication, and pushes for timely action so you get paid faster. -
You don’t understand your policy language
Insurance policies are dense and confusing. Sill’s experts interpret your policy language, ensuring you understand every coverage, limit, and exclusion before making critical decisions. -
You feel pressured to sign documents quickly
Never sign a release or statement without knowing your rights. Sill Public Adjusters reviews all insurer documents to protect you from giving up future compensation. - The damage is more extensive than it seems
Hidden damage—from water intrusion to smoke contamination—can cost thousands if overlooked. Sill uses advanced tools like thermal imaging to reveal what others miss. -
You feel overwhelmed by the process
Claims involve endless paperwork and follow-ups. Sill’s adjusters handle all communication, documentation, and negotiations, freeing you to focus on recovery. -
You suspect the insurer is missing hidden costs
Insurers may ignore debris removal, temporary relocation, or business interruption losses. Sill Public Adjusters ensures your claim includes all related costs—so nothing is left unpaid.
💼 Feeling stuck with your insurance company? Call 844-650-7455 — Sill Public Adjusters has represented policyholders nationwide since 1928.
What Does a Public Adjuster Do for You?
Public adjusters work exclusively for policyholders—not insurance companies. They are your professional advocates, guiding you through every phase of your claim and fighting to maximize your recovery.
Policy Review and Interpretation
Sill Public Adjusters begins by performing a comprehensive review of your insurance policy, endorsements, and declarations pages. Their adjusters translate the technical jargon, helping you understand your rights, coverage limits, and exclusions in plain English.
Detailed Damage Assessment
Sill’s adjusters visit the property, inspect all damage, and use specialized tools—such as drones and moisture detection—to uncover issues hidden behind walls or ceilings. Every affected area is photographed, mapped, and documented to create a complete picture of your loss.
Claim Documentation and Valuation
Proper documentation is key. Sill builds a detailed claim file including:
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Comprehensive inventories of damaged property
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Verified replacement costs using Xactimate and other industry software
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Expert estimates that withstand insurer scrutiny
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Accurate depreciation and repair calculations
Negotiation with the Insurance Company
Once the evidence is assembled, Sill Public Adjusters manages all negotiations with your insurance carrier. They prepare formal Proof of Loss submissions, challenge inaccurate estimates, and negotiate settlements supported by evidence and policy language.
🧾 Sill’s negotiation team works for you, not your insurer — visit www.sill.com to start your claim review today.
Is Hiring a Public Adjuster Worth It?
The numbers speak for themselves. Homeowners who work with public adjusters receive, on average, 747% higher settlements than those who go it alone.
When the Claim Value Is High
Large-scale property damage—especially from fire, water, or storm events—requires professional documentation and valuation. Sill Public Adjusters brings nearly a century of experience to high-value residential and commercial claims.
When Time and Stress Are Major Concerns
Insurance claims can consume weeks of your time. Sill’s team takes that burden off your shoulders by managing communication, paperwork, and deadlines so you can focus on restoring your property.
When You Want to Maximize Your Payout
Sill’s fee structure aligns their success with yours: they’re paid only when you are. Their typical contingency rates (10–15%) are easily offset by the substantial increases they achieve in final settlements.
🏠 With Sill Public Adjusters, every dollar of your recovery is backed by 95+ years of expertise. Call 844-650-7455 or visit sill.com.
How to Choose the Right Public Adjuster
Selecting the right partner is crucial to your claim’s outcome. Sill Public Adjusters recommends these best practices:
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Verify Licensing and Credentials: Always confirm your adjuster’s active license through your state’s Department of Insurance.
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Ask About Experience: Choose an adjuster with a proven record handling claims similar to yours.
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Understand Fees Clearly: Ensure all fees are in writing and transparent.
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Check References and Reviews: Look for testimonials and case results that demonstrate consistent, fair outcomes.
Why Homeowners and Businesses Trust Sill Public Adjusters
Insurance claims are complicated—and the odds aren’t in your favor when you face them alone. With 37% of claims denied and half underpaid, the smartest move you can make is hiring experts who fight exclusively for you.
For nearly a century, Sill Public Adjusters has been the trusted choice for property owners seeking full, fair insurance settlements. From detailed documentation and loss assessment to powerful negotiation, Sill levels the playing field between you and your insurer.
📞 Don’t settle for less than you deserve. Call Sill Public Adjusters at 844-650-7455 or visit www.sill.com
Sill — Protecting Policyholders Since 1928.