SNS PUBLIC ADJUSTING
Welcome to SNS Public Adjusting – Your Trusted Roof Adjuster
At SNS Public Adjusting, led by our expert public adjuster Shae Ebert, we specialize in advocating for homeowners and property owners when it comes to insurance claims. Understanding the complexities of insurance policies and claim procedures can be daunting. That’s where we step in, ensuring you get the maximum compensation for your roofing claims.
CONTACT NOW
309-204-6781
snspublicadjusting@snsroofs.com
What Does a Public Adjuster Do?
A public adjuster represents you, the policyholder, in negotiating with your insurance company to ensure you receive the fair payout you deserve, especially for roofing damage and repair claims. Unlike insurance company adjusters, SNS Public Adjusting works exclusively for you. We meticulously assess the damage, accurately estimate repair costs, and handle all the tedious negotiations with your insurer. Our goal is to alleviate the stress of dealing with insurance claims, allowing you to focus on what matters most while we work to get your roof repaired or replaced at the expense of your insurer.
The Process at SNS Public Adjusting
Our process is designed to be transparent and supportive:
1: Initial Consultation
We start with a thorough evaluation of your situation and review your insurance policy to understand the coverage scope.
2: Damage Assessment
Shae conducts a detailed inspection of your roofing damage, documenting everything to support your claim.
3: Claim Preparation and Filing
We compile all necessary documentation, including damage reports and repair estimates, and file the claim on your behalf.
4: Negotiation
Armed with extensive evidence and industry knowledge, we negotiate with the insurance company to maximize your claim settlement.
5: Resolution
Our commitment doesn’t end until you receive a fair and satisfactory settlement that covers your roofing repairs or replacement.
Frequently Asked Questions (FAQs)
What is the difference between a public adjuster and an insurance adjuster?
A public adjuster, like Shae Ebert, works on behalf of the policyholder to negotiate claims, whereas an insurance adjuster represents the insurance company’s interests.
How does SNS Public Adjusting get paid?
We work on a contingency fee basis, meaning our payment comes from a small percentage of the claim payout. No recovery, no fee. *Fee is also waived if work is expected to be completed by SNS Roofing, LLC.
Can SNS Public Adjusting help with an already denied claim?
Absolutely. We specialize in reopening and negotiating denied or underpaid claims to ensure you receive the compensation you’re entitled to.
How long does the adjusting process take?
The timeline can vary depending on the complexity of the claim and the responsiveness of your insurance company. However, we strive to expedite the process, keeping you informed every step of the way.
Do I need a minimum claim value to seek your services?
Our involvement is determined by the necessity of our expertise, not by the size of the claim. We handle all claims, regardless of their size. Contact us to discuss your situation, and we’ll provide you with our expert advice.
When is the ideal time to reach out to SNS Public Adjusting?
The optimal time to contact us is immediately following a loss. Engaging our services early in the claims process allows us to effectively guide the proceedings from the outset.
What authority oversees public adjusters?
Public adjusters, like us, are specialized insurance adjusters licensed and regulated by the Illinois Department of Insurance, ensuring we advocate solely for the policyholder’s interests.
Is it too late to hire a public adjuster if my insurance claim has already been closed?
In most cases, it’s not too late. Illinois policies often allow up to two years from the date of the loss to settle a claim. If you’re unsatisfied with your settlement, reach out to us. We’ll thoroughly review and provide our expert evaluation of your claim.
Could hiring a public adjuster lead to my policy being canceled?
Absolutely not. Any form of discrimination by an insurance company for utilizing your rights, as provided by the State of Illinois, would be a significant infringement.
Can a public adjuster secure a larger settlement?
Typically, yes. Engaging a public adjuster means your claim will be articulated more effectively, ensuring a meticulous review of your policy coverage. This detailed approach often results in a higher settlement, as studies have shown that inventories without a public adjuster’s input tend to be incomplete.
Will filing a hail & wind claim raise my insurance rates?
Filing a claim for hail and wind damage does not directly cause your rates to increase. Insurance carriers adjust rates annually based on the collective claims within a zip code. Therefore, post-storm, you might notice a slight premium increase regardless of filing a claim.