Insurance Claim Help

Frequently Asked Questions

Need Help Understanding Insurance Claims?
We’re Here to Help.

When disaster strikes, you deserve clear answers and reliable guidance. The team at Legacy Public Adjusters has compiled these frequently asked questions to help you understand your rights, your policy, and the insurance claim process. Serving Philadelphia, Chester County, Delaware County, and Montgomery County, we’re here to ensure you have the knowledge, and the advocate you need to recover fully.

Frequently Asked Questions

What is a public adjuster, and how is it different from the adjuster my insurance company assigns?

A public adjuster works for you, the policyholder. In contrast, when your insurance company assigns an adjuster, their role is primarily to protect the insurance company’s interests. At Legacy Public Adjusters, we evaluate your full loss, manage documentation, negotiate with the insurer, and ensure you receive the settlement you deserve.

Is it too late to hire a public adjuster after I already received a payment from my insurer?
Not necessarily. Even if you’ve already received some payment, it’s possible that additional damage or hidden losses remain. At Legacy Public Adjusters, we can review your situation and help with subsequent damage or claim adjustments. That said, hiring earlier gives you a better chance at maximizing your settlement.
Can I just hire an attorney instead of a public adjuster to handle my property damage claim?
While attorneys often handle legal issues, many property damage claims are best managed by a public adjuster, such as Legacy Public Adjusters, who specializes in evaluating damage, documenting loss, and negotiating with insurers. Hiring a public adjuster directly can save you the extra legal costs and ensure expertise in claims handling without unnecessary expense.
What kinds of damage do you handle, and what does the process look like?

A public adjuster can handle many types of loss, including water damage, smoke/fire damage, storm/wind damage, theft/vandalism, and catastrophic losses. The typical process involves:

  • A comprehensive damage evaluation (including hidden damage)
  • Coordinating any emergency services (roof tarping, water mitigation, etc)
  • Documenting and negotiating your claim with the insurer
  • Overseeing the payout and ensuring you receive the proper settlement.
How are fees handled — do I have to pay upfront to hire a public adjuster?
At Legacy Public Adjusters, you won’t pay up front. Instead, our team works on a contingent fee basis — meaning we only get paid when you receive a settlement. This aligns our interests with yours (getting the highest payout possible) and reduces your risk.

Do you have questions?

We're here to help

We know that any time an insurance claim is needed, it can feel stressful. At Legacy Public Adjusters, we are here to keep the process simple, streamlined, and successful!

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Legacy Public Adjusters

1349 Green Lane
Chester Springs, PA 19425

(484) 302-2257

claims@legacypublicadj.com

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