Frequently Asked Questions (FAQs) - Rome Public Adjusting

1. What is a Public Adjuster, and why do I need one?
 

A Public Adjuster is an insurance claims expert who works exclusively for you, the policyholder, not for the insurance company. When you experience a loss, your insurance company sends their adjuster to assess the damage and determine the payout. Their loyalty is to the company. Our loyalty is to you. We advocate for your best interests, meticulously assess your damages, interpret your policy, negotiate with your insurer, and strive to ensure you receive the fair and equitable settlement you deserve to restore what was lost. We are your voice and your guide during a challenging time.

 

2. How is Rome Public Adjusting different from the adjuster sent by my insurance company?
 

This is a crucial distinction. The adjuster from your insurance company is employed by them and represents their interests, aiming to settle the claim for the lowest possible amount for their employer. Rome Public Adjusting works solely for you. Our goal is to maximize your claim settlement, ensuring you are justly compensated to properly repair or replace your damaged property. We stand with you, advocating for your rightful claim, mirroring St. Nicholas's interventions on behalf of the wronged.

 

3. What types of claims does Rome Public Adjusting handle?
 

We handle a wide range of property damage claims for both residential and commercial policyholders. This includes, but is not limited to:
 

• Water Damage (burst pipes, leaks, flooding)

• Fire and Smoke Damage

• Storm Damage (wind, hail, lightning, hurricanes)

• Mold Damage

• Vandalism & Theft

• Collapse

• Business Interruption
   

If you've suffered a loss, even if you're unsure if it's covered, please reach out to us for a compassionate review.

 

4. When should I contact Rome Public Adjusting?
 

Ideally, you should contact us as soon as possible after your loss, even before you've officially notified your insurance company. This allows us to guide you from the very beginning, ensuring proper documentation and avoiding common pitfalls. However, it's never too late! We can also assist if your claim has been:

• Denied

• Underpaid

• Delayed

• You simply feel overwhelmed or unsure about the process.
  
   

5. How much does Rome Public Adjusting charge for its services?
 

We work on a contingency fee basis. This means we only get paid when you get paid. Our fee is a small percentage of the final claim settlement that we help you recover. If there's no recovery, there's no fee. This aligns our success directly with yours and ensures our commitment to maximizing your settlement. Our initial consultation is always free, offering you peace of mind without obligation.

 

6. Will hiring a Public Adjuster delay my claim or make my insurance company upset?
 

No, hiring a public adjuster should not cause undue delays, and it is your right as a policyholder. In fact, our expertise and meticulous documentation often expedite the process by presenting a clear, comprehensive, and well-supported claim. Insurance companies are accustomed to working with public adjusters; it's part of their operational landscape. Our aim is to foster fair negotiation, not antagonism, always seeking a just resolution for you.

 

7. Can Rome Public Adjusting help if my claim has already been denied or underpaid?
 

Absolutely. Many of our clients come to us after their claim has been denied, underpaid, or they've received a settlement offer that feels inadequate. We specialize in reviewing these situations, uncovering overlooked damages, re-evaluating estimates, and reopening negotiations to secure the full and just compensation you are owed. It's often in these challenging cases that our advocacy truly shines.

 

8. Do you provide a free consultation or claim review?
 

Yes, we always offer a complimentary, no-obligation consultation. During this initial discussion, we will listen to your story, review your policy, and assess your situation to determine how we can best assist you. It's an opportunity for us to understand your needs and for you to understand how we can bring wisdom and justice to your claim.

 

9. What geographical areas does Rome Public Adjusting serve?
 

Rome Public Adjusting primarily serves the greater Rome, Georgia area, including Floyd County and surrounding communities. However, as Licensed Public Adjusters, our reach extends throughout Georgia. Please contact us to discuss your specific location and needs.

 

10. How do I get started with Rome Public Adjusting?
 

It's simple. You can reach us by phone at 706-314-8840 or by email at info@romepa.com. We are ready to listen, understand your situation, and begin the journey with you toward a just and equitable claim settlement. Remember, "People Are For Caring," and we are here to care for you.