Why should I hire a public adjuster instead of dealing with the insurer myself?
LA CONSULTING
Original Content
When property damage occurs, many homeowners and business owners assume their insurance company will handle everything fairly. Unfortunately, this is rarely the case. Insurance companies are businesses focused on protecting their bottom line, which means minimizing payouts whenever possible. Hiring a licensed public adjuster like LA Consulting ensures that you have an experienced advocate on your side who works exclusively for you, not the insurance company. Our role is to maximize your claim, protect your rights, and secure the settlement you need to fully restore your property.
The risks of handling a claim alone
Filing and negotiating an insurance claim on your own may sound straightforward, but in practice it is filled with pitfalls. Policies are written with complex language that favors the insurer, and many property owners unintentionally make mistakes when reporting their loss. Common errors include under-documenting damage, failing to meet deadlines, or giving statements that the insurer later uses to reduce coverage. Without professional guidance, you could leave thousands of dollars on the table or even face a partial denial. A public adjuster eliminates these risks by handling every step of the process on your behalf.
How LA Consulting advocates for you
As your public adjuster, LA Consulting levels the playing field against the insurer's team of adjusters, attorneys, and claim specialists. We start with a detailed inspection of your property to uncover both visible and hidden damages. Then we review your policy to identify every coverage opportunity. From there, we prepare a comprehensive claim package supported by photographs, expert reports, and cost estimates that reflect the true scope of repairs. Because we speak the same technical language as the insurance company, we are able to negotiate effectively and push back against lowball offers.
Our involvement also means you do not have to spend hours on hold, fill out confusing paperwork, or argue with the insurer’s representatives. We take care of the communication, documentation, and negotiation while keeping you updated at every step.
Examples of the difference a public adjuster makes
The difference between hiring a public adjuster and going it alone can be dramatic. For example, many policyholders who initially received low settlements for roof damage or water intrusion later saw their payouts double or even triple once LA Consulting stepped in. Insurers often overlook hidden structural issues or underestimate the real cost of materials and labor. With our expertise, we identify these oversights and demand corrections, leading to significantly higher settlements.
Clients also value the peace of mind we provide. Instead of feeling stressed and outmatched, they know a professional is advocating for them. This confidence allows property owners to focus on rebuilding and recovery rather than battling with their insurer.
Why insurance companies prefer you not hire one
Insurers know that when you hire a public adjuster, their ability to control the claim decreases. Without representation, they can steer conversations, downplay damages, and pressure you into quick settlements. With LA Consulting involved, every claim is backed by evidence, expert valuation, and strategic negotiation. This forces insurers to treat your claim seriously and discourages the delay-and-deny tactics they often use against unrepresented policyholders.
It is also important to understand that your insurer has no obligation to explain all your rights or coverage options to you. That responsibility falls on you, which is why having LA Consulting review your policy and advocate on your behalf is such a crucial step.
The bottom line
Hiring a public adjuster like LA Consulting gives you a powerful advantage in the insurance claims process. Rather than facing a multibillion-dollar insurance company alone, you gain a partner with the expertise, resources, and determination to secure the maximum compensation available. If you want to avoid costly mistakes, eliminate unnecessary stress, and ensure your property is fully restored, the smart choice is to hire LA Consulting instead of handling your insurer by yourself.
