Frequently Asked Questions

Frequently Asked Questions

At Full Scope Public Adjusting, we understand that the insurance claims process can be complex and confusing. Below are some of the most common questions we receive from policyholders, along with clear, straightforward answers. If you have additional questions, feel free to reach out to us!

1. What is a public adjuster?

A public adjuster is an insurance claims expert who works on behalf of the policyholder, not the insurance company. We assess the damage, handle the claim, and negotiate with the insurance company to ensure you receive the maximum settlement you’re entitled to under your policy. Unlike insurance adjusters hired by your insurer, public adjusters are independent and focused on your best interests.

2. When should I hire a public adjuster?

You should consider hiring a public adjuster in the following situations:

  • Your claim has been denied or underpaid.
  • You feel overwhelmed or unsure about the claims process.
  • The damage to your property is extensive and complex.
  • Your insurance company is not responding in a timely manner or is giving you a low settlement offer.
  • You want an expert to ensure you’re getting every dollar you’re entitled to under your policy.

3. What types of claims does Full Scope Public Adjusting handle?

We handle a wide range of property damage claims, including:

  • Storm Damage (hail, wind, flooding)
  • Fire and Smoke Damage
  • Water Damage
  • Vandalism and Theft
  • Business Interruption
  • Denied or Underpaid Claims

Whether you have a residential or commercial claim, we are equipped to help you through the process.

4. How much does it cost to hire a public adjuster?

Our fees are typically a percentage of the final settlement amount, which means we only get paid when you get paid. This ensures that we are motivated to maximize your settlement. The percentage can vary based on the complexity of the claim, but we will provide full transparency about fees upfront before we start working on your case.

5. What is the difference between a public adjuster and the adjuster my insurance company provides?

The adjuster your insurance company provides works for the insurer, with their primary goal being to protect the company’s financial interests. A public adjuster, on the other hand, works solely for you—the policyholder. Our goal is to ensure you receive the maximum settlement for your claim, as we are not bound by the insurance company’s internal guidelines or cost-saving measures.

6. What is the claims process like when working with Full Scope Public Adjusting?

Here’s a general overview of our process:

  • Initial Consultation: We review your policy, inspect the damage, and discuss the claim with you.
  • Documentation: We thoroughly document the damage and prepare a detailed estimate of the repair costs.
  • Claim Filing: We file the claim with your insurance company and handle all communication and negotiations on your behalf.
  • Settlement Negotiation: We work with the insurance company to reach a fair settlement. If necessary, we can appeal denied or underpaid claims.
  • Final Payout: Once a settlement is agreed upon, we ensure you receive your payment as quickly as possible.

7. How long does the claims process take?

The duration of the claims process can vary depending on the complexity of the claim and the responsiveness of the insurance company. While some claims may be settled in a matter of weeks, others, particularly large or complex claims, may take several months. We work diligently to expedite the process and keep you informed every step of the way.

8. Can you help if my claim has already been filed?

Yes! We can step in at any stage of the claims process. Whether your claim has already been filed, is in negotiations, or has been denied, we can provide assistance. If you’ve received an offer that seems too low, we can re-evaluate your claim to ensure you receive the full amount you’re entitled to.

9. What if my claim has been denied?

If your insurance claim has been denied, don’t lose hope. A public adjuster can review your denial letter and your policy to determine if the denial was valid or if there’s an opportunity to appeal. In many cases, insurance companies deny claims for reasons that can be challenged, and we can help you navigate the appeals process.

10. What should I do if I suspect my claim is being underpaid?

If you believe your claim has been underpaid, contact a public adjuster immediately. We can review the insurance company’s settlement offer, re-inspect the damage, and gather additional evidence to justify a higher payout. Underpaid claims can often be increased significantly with the help of an experienced public adjuster.

11. What areas do you serve?

We are based in Utah and serve policyholders throughout the state. If you’re unsure if we can assist you in your location, feel free to contact us, and we’ll be happy to discuss your needs.

12. How can I contact Full Scope Public Adjusting?

You can reach us by phone, email, or through our contact form on the website: