Clear Claim Public Adjusters Inc. @publicadjustersontario - Tumblr Blog

A Homeowner’s Guide to Winter Storm Insurance Claims

Winter storms can be beautiful from the window, but they can be brutal on a home. In Ontario, New Brunswick, and Atlantic Canada, heavy snow, freezing rain, ice buildup, high winds, and rapid thawing can all lead to serious property damage. A roof can leak. Pipes can burst. Basements can flood. Siding can come loose. Water can sneak behind walls before you even realize something is wrong.

When this happens, the first question most homeowners ask is simple: will insurance cover it?

The answer depends on your policy, the cause of the damage, and how well your claim is documented. Winter storm claims can get complicated quickly, especially when the insurer starts asking whether the damage was sudden, preventable, gradual, or excluded.

That is why it is so important to understand how to handle a winter storm insurance claim from the very beginning. The right steps can help you avoid delays, protect your home, and give your claim a stronger chance of reaching a fair settlement.

Winter Storm Damage Is Not Always Obvious Right Away

After a storm, some damage is easy to see. Missing shingles, fallen branches, broken gutters, cracked windows, and visible flooding are hard to miss. But winter storm damage can also hide in places homeowners do not check every day.

Ice dams can push water under shingles and into the attic. Frozen pipes can crack and leak slowly before bursting. Heavy snow can stress the roof structure. Wind-driven rain can enter through small openings around windows, doors, siding, and flashing.

This is where many homeowners get caught off guard. They report the obvious damage, but not the full damage. Then, weeks later, they discover water stains, mold concerns, insulation damage, or structural issues that were connected to the original storm.

By then, the insurer may question whether the later damage was part of the same event.

What You Should Do First

Once it is safe, document everything. Take photos and videos of the outside of your home, the affected rooms, damaged belongings, and any visible water entry. Capture wide shots and close-ups. If you see leaks, stains, fallen materials, or ice buildup, record those too.

You should also take reasonable steps to prevent further damage. This could include temporary tarping, shutting off water, moving belongings away from wet areas, or calling emergency repair professionals. Keep every receipt. Those costs may matter later in your claim.

If the damage is significant, contact a public insurance adjuster before making major decisions. A licensed professional can help you understand what should be included in the claim and how to avoid missing hidden damage.

Why Winter Storm Claims Can Be Delayed or Denied

Insurance companies do not approve every claim automatically. In many cases, they will review whether the damage was caused by a covered event or by something they believe was excluded under the policy.

For winter storm claims, insurers may look at issues like maintenance, roof age, pre-existing damage, gradual leaks, freezing prevention, and whether the homeowner took proper steps after the loss.

That does not mean your claim is weak. It means the details matter.

For example, a burst pipe may be covered if it was sudden and accidental, but the insurer may ask whether the home was properly heated. A roof leak may be covered if caused by storm damage, but the insurer may argue the roof was already worn out. Water damage may be covered in one situation and excluded in another depending on how the water entered the property.

This is where policy language becomes critical. Most homeowners are not trained to interpret exclusions, limits, and claim conditions. Insurance companies deal with that language every day.

A public insurance adjuster firm can help level that playing field.

The Role of the Insurance Claim Adjuster

After you file a winter storm insurance claim, your insurer will usually assign an insurance claim adjuster to inspect the damage and review the file. This adjuster may be professional, experienced, and helpful, but it is important to understand who they represent.

They work for the insurance company.

A public insurance adjuster works for you. Their job is to review the policy, inspect the damage, prepare documentation, communicate with the insurer, and negotiate for a fair settlement on your behalf.

This can be especially helpful when your claim involves multiple types of damage. A winter storm may cause roof damage, water damage, contents damage, temporary repair costs, and additional living expenses if your home becomes unsafe. If those details are not properly presented, the settlement may not reflect the full loss.

How to Strengthen Your Winter Storm Insurance Claim

The stronger your claim package is, the harder it is for the insurer to delay or undervalue it. That starts with organization.

Keep a claim folder with photos, videos, contractor reports, invoices, receipts, emails, letters, and notes from every phone call. Write down the date of the storm, when you discovered the damage, when you reported the claim, and who you spoke with.

Do not rely only on the insurer’s estimate. Independent contractors can often identify repair needs that may be missed in an initial assessment. If you receive a low offer, compare it against professional repair quotes and the actual scope of damage.

Also, avoid making permanent repairs before the damage has been properly documented. Emergency repairs are often necessary, but full reconstruction should be approached carefully unless your insurer has inspected the damage or you have clear records showing what was affected.

Most importantly, do not assume the first offer is the final answer. If your settlement feels too low, incomplete, or unfair, you may have options.

Common Winter Storm Claim Mistakes Homeowners Should Avoid

One of the biggest mistakes homeowners make is waiting too long to report the damage. Even if you are still gathering information, you should notify the insurer quickly and keep a record of the report.

Another common mistake is cleaning up too fast. It may feel productive in the moment, but throwing away damaged materials or belongings without documentation can weaken your claim.

Homeowners also run into problems when they describe the damage too casually. Saying “old roof leak” or “basement seepage” without knowing the cause can create confusion. Stick to what you know. Explain when you noticed the damage, what you observed, and what happened during or after the storm.

Finally, many people try to handle complex claims alone because they assume the insurer will guide them through everything. Sometimes that works. But when the damage is serious, the offer is low, or the insurer starts raising questions about coverage, expert public insurance support can make a major difference.

The Bottom Line

Winter storm claims can involve more than a few missing shingles or a wet basement. They can include hidden water damage, structural issues, damaged contents, emergency repairs, and temporary living costs.

Having insurance is important, but knowing how to file the claim properly is what protects your settlement. You need strong documentation, clear communication, professional estimates, and a good understanding of your policy.

If your winter storm insurance claim is delayed, denied, or underpaid, you do not have to face the insurance company alone. A public insurance adjuster can help you build your case, identify the full scope of damage, and negotiate for the settlement you deserve.

Need Help With a Winter Storm Claim in Ontario, New Brunswick or Atlantic Canada?

Whether you are dealing with roof damage, ice dam leaks, burst pipes, flooding, or storm-related property loss, ClearClaim can help you move forward with confidence.

At ClearClaim, we are a public insurance adjuster firm with a 98% success rate and more than $50 million in paid settlements. Our team understands how winter storm claims are handled and how to protect homeowners from low, delayed, or unfair offers.

Contact ClearClaim today and schedule your FREE case review. Let an experienced public insurance adjuster help you get the settlement you deserve.

Source: https://www.clearclaim.ca/post/a-homeowner-s-guide-to-winter-storm-insurance-claims

#publicinsuranceadjuster #InsuranceClaimAdjuster #WinterStormInsuranceClaims

Top Mistakes That Delay Your Insurance Settlement (And How to Avoid Them)

When property damage happens, most people expect their insurance settlement to move quickly. You report the loss, provide the details, wait for the insurer to review everything, and receive the money needed to repair your home or business. In theory, it should be simple.

Unfortunately, many claims in Ontario, New Brunswick, and Atlantic Canada take longer than expected. Sometimes the delay comes from the insurance company. Other times, it happens because the claim was not documented clearly from the beginning. Missing paperwork, weak estimates, unclear communication, or accepting the first response too quickly can all slow things down and weaken your final settlement.

The good news is that many of these delays can be avoided. By understanding the most common mistakes before they happen, you can protect your claim, respond with confidence, and know when it may be time to bring in a public insurance adjuster to fight for a fair outcome.

Mistake #1: Waiting Too Long to Report the Damage

One of the fastest ways to create problems with your insurance settlement is waiting too long to report the damage. After a flood, fire, winter storm, vandalism, or other property loss, the first few days matter.

Insurance companies often have timelines for reporting claims and submitting documents. If you wait too long, they may question when the damage happened, whether the loss got worse because of the delay, or whether the damage is even covered under your policy.

This does not mean you should panic and rush through the process without thinking. It means you should notify your insurer as soon as possible, keep a record of the claim number, and write down the date and time of every conversation.

How to Avoid This Delay

Report the damage quickly, but avoid guessing about the cause or total cost before you have the facts. Take photos, protect the property from further damage if it is safe to do so, and keep every receipt for emergency repairs or temporary living expenses.

If the loss is serious or the insurer is already asking detailed questions, this is a good time to speak with a public insurance adjuster firm. Getting help early can prevent small mistakes from turning into major delays.

Mistake #2: Cleaning Up Before You Document Everything

After property damage, your first instinct may be to clean, repair, throw things away, or get the space back to normal. That is completely understandable. No one wants to live or work around water damage, smoke damage, broken materials, or ruined belongings.

But if you remove damaged items too quickly, you may also remove evidence your insurer needs to assess the claim. Without proof, the insurer may undervalue the damage or argue that certain losses cannot be verified.

This is especially important for hidden damage. Water behind walls, smoke contamination, weakened structures, damaged insulation, mold risk, and electrical issues may not be obvious in a few quick photos.

How to Avoid This Delay

Before cleanup begins, document as much as possible. Take wide shots of the full room, close-up photos of the damage, videos from multiple angles, and a written list of damaged items. If you have receipts, warranties, maintenance records, or older photos that show the property before the loss, keep those too.

You should also avoid throwing away damaged materials unless your insurer has approved it or safety requires immediate removal. When cleanup is urgent, ask the contractor to save samples, take detailed photos, and provide written notes about what was removed and why.

Mistake #3: Submitting an Incomplete Claim

A claim is only as strong as the proof behind it. If documents are missing, estimates are vague, or your inventory is incomplete, the insurer may keep asking for more information. Every request adds time, and every missing detail gives the insurance company more room to reduce the payout.

This is one of the most common reasons settlements drag on. Homeowners and business owners often assume the insurer will “figure it out” or send their own insurance claim adjuster to assess everything fairly. However, the adjuster sent by the insurance company works for the insurer, not for you.

That difference matters.

How to Avoid This Delay

Build your claim like a case. Include photos, videos, repair estimates, contractor reports, contents lists, receipts, invoices, temporary repair costs, and additional living expenses if applicable. If your business was affected, track lost income, cancelled appointments, payroll disruptions, and the cost of staying operational.

A public insurance adjuster can help organize the claim, identify missing details, and present the damage in a way that supports a stronger settlement. This is especially useful when the loss involves multiple types of damage, such as fire and smoke, water and mold, or winter storm damage and structural issues.

Mistake #4: Accepting the First Estimate Without Question

Many people assume the first estimate is final. If the insurer says the damage is worth a certain amount, they believe that is what the claim is worth.

That is not always true.

Initial offers can miss hidden damage, use low repair pricing, exclude certain items, or fail to account for the full scope of work. In some cases, the insurer’s estimate may cover surface-level repairs while ignoring deeper problems that become more expensive later.

Accepting too quickly can leave you paying out of pocket for repairs that should have been included in the settlement.

How to Avoid This Delay

Review every estimate carefully. Compare it against contractor quotes, damage reports, and your own documentation. Look for missing rooms, missing materials, incorrect measurements, low labour costs, or excluded repairs.

If the offer seems too low, do not assume you have no options. Public insurance professionals can review the policy, challenge weak estimates, and negotiate with the insurer on your behalf.

Mistake #5: Not Understanding Your Policy

Insurance policies are not written for easy reading. They include limits, exclusions, deductibles, timelines, definitions, replacement rules, actual cash value clauses, and conditions that can affect your payout.

Many settlement delays happen because policyholders do not know what their policy actually requires. They may miss a proof of loss deadline, misunderstand what is covered, or fail to claim expenses they are entitled to include.

Insurers know the policy language well. Most property owners do not. That imbalance can make the process frustrating and unfair.

How to Avoid This Delay

Read the policy carefully and pay attention to deadlines, covered causes of loss, exclusions, limits, and documentation requirements. If anything is unclear, get clarification before submitting important paperwork.

This is where public insurance support can make a real difference. A licensed public adjuster can explain the policy in plain language, identify what should be included in the claim, and help you avoid mistakes that could slow down payment.

Mistake #6: Poor Communication With the Insurance Company

A delayed claim is often a messy claim. Phone calls are not logged. Emails get buried. Promises are made verbally but never confirmed in writing. Documents are sent without proof they were received.

When communication is not organized, it becomes harder to prove what happened, who said what, and whether deadlines were met.

How to Avoid This Delay

Keep a simple claim file. Save every email, letter, estimate, invoice, report, and photo. After phone calls, write down the date, the name of the person you spoke with, and what was discussed. If something important was said verbally, follow up by email so there is a written record.

You do not need to be aggressive. You just need to be organized. Clear records make it harder for the insurer to delay, confuse, or dispute the process later.

The Bottom Line

Insurance settlements can be delayed for many reasons, but the most common problems are often preventable. Late reporting, weak documentation, incomplete claim packages, poor communication, and misunderstanding the policy can all create unnecessary roadblocks.

When you are dealing with property damage in Ontario, New Brunswick, or Atlantic Canada, the goal is not just to file a claim. The goal is to file it correctly, support it with strong evidence, and push for a fair settlement.

A public insurance adjuster works for you, not the insurance company. That means they can review your policy, document the damage, prepare your claim, communicate with the insurer, and negotiate for the settlement you deserve.

Need Help Avoiding Delays in Your Insurance Settlement?

If your claim is moving slowly, your insurer keeps asking for more documents, or you feel the offer is too low, you do not have to handle it alone.

At ClearClaim, we are a public insurance adjuster firm helping homeowners and property owners across Ontario, New Brunswick, and Atlantic Canada with denied, delayed, and underpaid claims. With a 98% success rate, 560 claim cases, and more than $50 million in handled payouts, our team knows how to build strong claims and fight for fair settlements.

Contact ClearClaim today and schedule your FREE case review. Let an experienced public insurance adjuster help you move your claim forward with confidence.

Source: https://www.clearclaim.ca/post/top-mistakes-that-delay-your-insurance-settlement-and-how-to-avoid-them

#ClearClaim #publicinsuranceadjuster #publicadjusters #ClaimPublicAdjusters #InsuranceClaimsAdjusters

The Complexities of Fire Claims That Most Business Owners Overlook

If you have a brick-and-mortar business in Ontario, New Brunswick or Atlantic Canada, you know that day-to-day operations go much further than just doing business. You have to keep the place clean, have all permits and licenses, and have your insurance ready if needed. But do you also know what to do if you have to file a fire claim? What are the steps to do it correctly and get a fair payout?

Due to worsening weather conditions and other circumstantial hazards, fire and explosion have become the leading causes of commercial fire claims since 2023. So it is better to be safe than sorry and be prepared for the worst. But don’t worry, the good thing is that you don’t have to do it alone. We wrote today’s article to tell you everything about fire claims, from the most common overlooked complexities, tactics insurance companies in Ontario, New Brunswick and Atlantic Canada use to deny claims, and how to overcome them and get a fair settlement.

Fire Claims Go Further Than Just Burnt Property

The first thing business owners need to know when filing a fire claim is that the extent of fire damage goes further than burnt property or equipment. Other than replacement costs, you need to consider structural damage to the property that might not be apparent at first glance, damage to personal property caused by the fire, specialized cleanup costs, and, probably most important, business interruption due to the fire.

When you are a victim of a fire or explosion, you are not only losing what was burnt in the event, but every day that your business stays closed is money you are losing from sales you are not making. This is one of the things we see most businesspeople overlook. That’s why it is crucial to check whether this is covered by your insurance policy and to include it when filing your fire damage claim.

On the bright side, you can always contact a public adjusting firm to help you understand your policy and your options to file for business interruption. Expert help can always get you further along in the claim process while you focus on resuming business operations.

How Do Insurers Deny and Delay Fire Claims

In theory, when you take out commercial insurance, you expect the insurer to have your back if the worst were to happen, right?

Unfortunately, on many occasions, dealing with insurance companies is more of a headache than an easy ride. Their financial interests do not align with giving clients easy, fair settlements. So more often than not, they use specific tactics to underpay fire claims or outright deny them. Here are some of the most common ones:

Policy Exclusions: Your insurance may claim that the cause of the fire or the type of damage isn’t covered under your policy.

Incomplete Documentation: Missing receipts, estimates, or proof of ownership can weaken your claim and result in a lower settlement than you deserve.

Delayed Reporting: Waiting too long to notify the insurance company can raise doubts about the cause or extent of the damage.

Alleged Negligence: Claims can be rejected if insurers believe you failed to maintain safety standards or fire prevention systems, such as having sprinklers or extinguishers on site.

Many of these strategies are effective because insurance companies have the upper hand when it comes to policies and laws. However, this doesn’t have to be the case. At ClearClaim, we are licensed public adjusters who are experts in the legal jargon used in policies. We are the right experts to level the playing field when filing your fire claim in Ontario, New Brunswick, and Atlantic Canada.

Strategic Tips for Maximizing Fire Claims

When filing your fire damage claim, there are some tips you can follow to make it easier to deal with your insurance firm. These will give your claim a stronger foundation, making it easier to approve and pay faster.

Document everything thoroughly. Capture photos, videos, and detailed inventories of all damaged property. If you have proof of the items' value, the better.

Track every expense. Record temporary repairs, relocation costs, and lost business income. This will help you know how much should be included in a fair settlement

Maintain consistent communication records with your insurer, including emails, letters, and call logs. Also, meet all deadlines to avoid delayed payments or claim denial.

Hire independent, professional contractors to provide accurate damage estimates.

Work with an expert claim adjuster to carefully review your policy. It is crucial to understand limits, exclusions, and timelines before submitting documents.

The Bottom Line

Commercial fire losses are complex and involve so much more than burnt property. They can include structural damage, require specialized cleanup services, and most likely will interrupt business operations to a significant degree.

Having insurance is a good first step, but when insurers often delay or deny claims, expert help from a local public adjuster is the best way to go. Licensed claim adjusters can help you navigate the claim process, understand your policy clearly, and negotiate with the insurer for a fair settlement on your behalf. All so you can focus on getting your business back up and running.

Need an Expert in Fire Claims in Ontario, New Brunswick and Atalantic Canada?

Whether you are dealing with smoke damage, structural loss, or a total property fire, having the right support can make all the difference.

Here at ClearClaim, we are public adjusters with a 98% success rate and more than $50 million in paid settlements. We are confident we can build your case and get you the settlement you deserve.

Source: https://www.clearclaim.ca/post/the-complexities-of-fire-claims-that-most-business-owners-overlook

#claim adjusters #licensed public adjusters

Do Public Adjusters Really Increase Claim Payouts?

In many cases, yes, public adjusters really do increase claim payouts.

A public insurance adjuster works for you, not the insurance company. When a property damage claim becomes stressful or complicated, having a licensed public adjuster on your side can make a real difference. They understand the claims process, know how to document damage properly, and can help homeowners avoid settling for less than they may be entitled to.

If you are still unsure what a public adjuster does or whether hiring one is worth it, you are not alone. At ClearClaim, we are a public adjusting firm serving Ontario, New Brunswick, and Atlantic Canada, and this guide explains what homeowners should know before making a decision.

What’s Exactly the Role of a Public Adjuster

Many homeowners know that the insurance company sends out a claim adjuster to review the damage. But that person works for the insurer, not for you. A public insurance adjuster is different.

A licensed public adjuster is an independent professional hired to manage, document, and negotiate a property damage claim on the homeowner’s behalf. They review the damage, examine the policy, and handle communication with the insurance company to help pursue a fair settlement.

Challenging a large corporation can feel intimidating, but the good news is that working with a public adjusting firm like ClearClaim comes with very little risk. If we appeal the insurer’s decision, the worst-case scenario is usually that you keep the original offer while we try to secure a better outcome.

How Public Adjusters Increase Payouts

Now that you know a public insurance adjuster is there to help you deal with insurance bureaucracy and complicated policy language, let’s look at how they can help increase a payout.

Thorough Damage Assessment: A good adjuster will often spot damage that may be missed or undervalued, helping make sure all necessary repairs are included in your claim.

Policy Expertise: A licensed public adjuster understands complex policy wording and knows how to identify coverage in different areas of the claim. They can also explain the process in a way that homeowners like you can easily follow.

Negotiation Power: Because a public adjusting firm handles communication with the insurer, it can often negotiate underpaid or denied claims more effectively than a homeowner trying to manage the process alone.

Detailed Documentation: Strong documentation is a big part of a successful claim. Public adjusters prepare detailed records of the damage and present the information clearly, which helps support a fairer settlement.

When Is It Best To Hire a Public Adjuster?

Ideally, you would want to work with a public insurance adjuster any time you have to deal with an insurance claim. That said, public adjusters in Ontario, New Brunswick and Atlantic Canada are usually most helpful in cases involving large losses, disputed claims, and complex policies.

Large Losses: Major fire, flood, or storm damage, where the payout difference can be significant.

Disputed Claims: When you disagree with the insurance company’s estimate, scope of damage, or settlement offer.

Complex Claims: Claims involving confusing policy language, multiple types of damage, or a more complicated loss overall.

Key Takeaways

In conclusion, public adjusters can really help improve the state of an otherwise complex claim process. Having expert help during difficult times can also allow you to focus on other areas to get your life back on track.

A public insurance adjuster can help increase claim payouts by finding damage and coverage that might otherwise be missed.

A licensed public adjuster works for the homeowner, not the insurance company.

Public adjusters add value through detailed documentation, policy knowledge, and stronger negotiation with insurers.

They are especially helpful for large property losses, disputed claims, and situations involving complex policy language.

Are you in Need of an Expert Public Adjuster?

ClearClaim is a licensed public adjusting firm serving homeowners across Ontario, New Brunswick, and Atlantic Canada. With a 98% success rate and more than $50 million in handled payouts, our experienced team is here to help you pursue the fair settlement you deserve. We understand how stressful property damage claims can be, and our goal is to make the process easier so you can move forward with confidence.

Wait no longer, call us at 1-800-515-9204 and schedule your FREE consultation.

Source: https://publicadjusterscanada.wordpress.com/2026/03/25/do-public-adjusters-really-increase-claim-payouts/

#licensed public adjusting #public adjusters

How Recent Weather Trends Are Impacting Insurance Claims in Ontario

As average global temperatures rise, extreme weather events such as floods, heat events, and wildfires are becoming increasingly frequent. Warmer conditions can also intensify heavy rainfall and severe storms, where much of the property damage begins.

Climate change intensifies storms and alters circulation by warming the atmosphere and oceans, which disrupts the water cycle. On average, hotter, drier conditions increase the risk of drought and wildfire.

So, if you live in an area where these events are more common, or where infrastructure is aging, you can end up with personal property damage that turns into a stressful insurance process, especially if you are not working with a licensed public adjuster.

What This Means For Claims, Deductibles, & Payouts

It’s not just homeowners feeling the pinch. Insurance companies themselves are under pressure to maintain profitability as severe weather drives up claim frequency and severity.

In recent years, Canadian home insurance results have been strained, and many insurers have responded by tightening policy terms and shifting more costs onto policyholders. For example, some insurers have introduced higher mandatory minimum deductibles for certain water-related losses.

This is also where delays and disputes tend to rise. When claim volume spikes, timelines can stretch, and the documentation burden often increases. For instance, ff you are dealing with water damage, the details get technical fast.

A flood insurance claim depends on how water entered, your endorsements, and if the insurer deems the source sudden, accidental, or excluded. Homeowners often seek a flood insurance claim adjuster for strategic management and complete documentation.

The Numbers Behind The Premium Rise In Canada

The financial impact of catastrophic weather and wildfires in Canada has increased dramatically. Insured losses, adjusted for inflation, nearly tripled over the last decade, rising from $14 billion (2006-2015) to $37 billion (2016-2025). Correspondingly, the average number of insurance claims has almost doubled, leading to higher premiums.

From 2021 to 2025, Canadian insurance premiums rose by an average of 38.2% (compared to 14.58% general inflation). Alberta saw the steepest rise at 67.6%, while Ontario had the smallest increase at 23.8%.

On the other hand, New Brunswick and Atlantic Canada homeowners face unique risks, including coastal exposure, heavy rain, wind damage, and localized flooding, which can lead to expensive, complex claims. On top of everything, in the case of a vacant property, you may even need to file a vandalism insurance claim. Widespread regional events can strain insurance capacity, slowing timelines and affecting settlement consistency.

How To Be Prepared For The Future

While we can’t guarantee we won’t be impacted by a severe weather event, there is a lot you can do to prepare and reduce the risk of major damage. The most effective approach is simple: keep up with maintenance, and get expert help when a loss happens.

Effective Home Protection Strategies

Here are some useful maintenance tips to help protect your property against severe weather events:

Use impact-resistant roofing materials if you live in hail-prone areas.

Install backflow valves to reduce the risk of sewer backups during heavy rain.

Check your attic regularly for early signs of water intrusion or staining.

Trim tree branches away from your house to reduce wind damage and debris impact.

Review your policy endorsements for water coverage and confirm your deductibles before a loss happens.

Get Expert Help in the Case of an Event

If you ever need support through a claim, working with a public insurance adjuster can help you stay organized, document the full scope, and push back when something is missed or minimized. This is especially helpful after major storms, when you may need a storm damage public adjuster who knows how to document wind-driven rain, roof damage, interior water staining, and related repairs that are often underestimated.

Key Takeaways

Recent weather trends are increasing the frequency and severity of property damage, leading to more claims, greater scrutiny, and higher costs for homeowners.

Water-related losses are one of the biggest pressure points, and many policies now have higher deductibles and stricter terms than people expect. If you are dealing with a complex loss, support from a public adjusting firm can help you protect your settlement and reduce the stress of managing the process alone.

Need Help With A Claim After Damage To Your Property?

Dealing with repairs is hard enough. If your claim is delayed, underpaid, or simply overwhelming, Clear Claim Adjusters can help you move it forward with clear documentation and strong negotiation.

Source: https://www.clearclaim.ca/post/how-recent-weather-trends-are-impacting-insurance-claims-in-ontario

#publicinsuranceadjuster #publicadjusters #Insurance #ClaimsAdjusters

From Filing to Settlement: A Step-by-Step Timeline for Your Insurance Claim

When a loss hits your home or business, the insurance process can feel like a living nightmare: paperwork, inspections, estimates, and long waits. Thankfully, it doesn’t have to be. A simple timeline and expert help from a licensed public adjusting firm can help you stay on track, and most importantly, protect you from mistakes that lead to delays or underpayments.

Below is a step-by-step view of what typically happens from the first phone call to the final payout, plus where good public adjusters can make the biggest difference for policyholders in Ontario, New Brunswick, and Atlantic Canada.

Step # 1: Immediate Actions: Safety, Proof, And Damage Control

Stay Safe and Prevent Further Damage

Your first “claim step” isn’t a form. It’s protecting your people and preserving evidence.

Start with safety. If there’s structural damage, smoke, electrical risk, or standing water, don’t re-enter until it’s safe. Next, take reasonable steps to prevent additional damage. That might mean shutting off the main water valve, boarding a broken window, or placing a tarp over a compromised roof. Keep every receipt and note what you did and when. Insurers often expect you to mitigate further loss, and those records can support reimbursement.

Compile Evidence for The Claim

Before cleanup begins, document everything. Take wide and close-up photos, walk-through videos, and capture serial numbers or model details when possible. If theft, vandalism, or suspected arson is involved, file a police report right away and keep the report number with your claim file. This early documentation often becomes the backbone of your proof of loss later.

Step # 2: Filing Your Claim: Notice, Details & Early Support

Start Filing the Claim As Soon as Possible

Most policies require “prompt” notice, so it is key to report the damage as soon as you can. When you call your insurer or broker, have your policy number ready and a clear description of what happened, including date/time, where the damage occurred, and what areas are affected. If you already have a preliminary inventory of damaged items, that helps, especially for content losses where details matter.

What To Do if Your Home Is Too Damaged to Live In?

If the property is not livable, ask about Additional Living Expenses (ALE) or Loss of Use right away. This refers to coverage for additional living costs incurred if you are temporarily displaced from your home. Keep receipts for hotels, meals (if eligible), and other essential purchases. Always double-check what your insurer needs to approve ALE and what limits apply.

This is also the point where many owners decide to bring in help. A public insurance adjuster represents you (not the insurance company) and can step in early to organize documentation, develop a complete scope of loss, and manage communication.

If you want that level of support, contacting a public adjusting firm like ClearClaim can help you get off to the right start before the claim inspection even takes place.

Step # 3: Investigation And Inspection: What The Insurer Will Do

Getting an Adjuster From the Insurance Company

After the claim is opened, the insurer typically assigns a private adjuster or claims professional. Expect an inspection during which they will document damage, ask questions about the cause, and may request supporting materials such as photos, repair invoices, and maintenance records.

Be present for the inspection if you can. Walk the adjuster through every affected area, including less obvious problems like damp insulation, hidden water migration, or warping that may worsen over time. If you’ve already contacted a public adjuster, they’ll help you stay organized and up to date. Their goal isn’t to argue with the insurer; it’s to ensure the claim file reflects the full scope of damage.

Working With Vendors and Contractors

Behind the scenes, the insurer may consult vendors such as restoration companies, engineers, or specialized estimators. Their estimate later becomes a key reference point, but it’s not always the final word. If the scope is incomplete, corrections are easier when issues are documented early and clearly.

Step # 4: Policy Review And Coverage Determination

Comparing Claim Damages vs. Your Coverage

This is where your policy language matters. The insurer compares the facts of the loss to your policy’s terms, conditions, and exclusions, then confirms what is covered and what is not. You’ll also see how your deductible applies, and whether depreciation will reduce the initial payment.

Keep an eye on deadlines and requested documents. Many delays happen because the claim file is waiting on missing forms, itemized inventories, or proof that repairs were completed. If you receive written questions or a request for records, respond promptly and keep copies of everything you send.

Getting Expert Help Makes the Difference

A licensed public adjuster can be especially valuable here because coverage decisions often turn on how damage is described, scoped, and supported, especially in complex cases involving multiple losses (drywall, electrical, flooring, HVAC). The more organized and evidence-based your submission is, the harder it is for essential line items to “disappear” from the estimate.

Step # 5: Settlement Offer, Negotiation, And Payout

Getting the Money You Deserve

Once the insurer completes its review, you’ll receive a settlement proposal. Review it with help from a public adjusting firm. If the offer is too low, your public adjuster will present a stronger, more complete claim package and negotiate on your behalf.

When you accept a settlement, you’ll typically sign a release. Payment timing varies, but once a resolution is reached and the insurer has the required documents, payouts often arrive within 7–10 business days.

Key Takeaways

A clean claim timeline usually comes down to a few controllable habits:

Document early and thoroughly before cleanup or repairs

Report promptly and track every conversation and document

Attend inspections and confirm the full scope is captured

Compare settlement offers to real repair costs and policy terms

Work with a public insurance adjuster if the claim is delayed, denied, or underpaid

Get Help Before Small Gaps Become Big Losses

If your claim feels overwhelming, or you’re worried the scope or settlement won’t reflect the true cost to rebuild, getting support early can change the outcome.

ClearClaim is your trusted public adjusting firm serving Ontario, New Brunswick, and Atlantic Canada. We offer homeowners guidance through the entire process so that you can get back on your feet.

Source: https://www.clearclaim.ca/post/from-filing-to-settlement-a-step-by-step-timeline-for-your-insurance-claim

#licensedpublicadjuster #InsuranceClaimsAdjusters

What Most Homeowners Get Wrong When Filing a Water Damage Claim

We get it. Whether it a flood hits your area, a burst pipe, or a malfunctioning appliance, water damage can seriously impact your home. It can affect the structure of the property, interfere with the electrical system, and destroy personal belongings that may hold sentimental value.

Handling water damage is never easy. Most homeowners start by contacting their insurer and filing a claim. If you have ever dealt with an insurance company, you already know that this step can turn into a challenge of its own.

So do not worry. As a public insurance adjuster company, we help clients navigate complicated insurers every day. In this article, we explain the most commonly overlooked issues that can weaken a water damage claim.

Not Acting Quickly Enough

It is understandable to feel overwhelmed right after discovering water damage. Still, one of the most important steps is to contact your insurer and start the claim process as soon as possible. Delays can allow the problem to worsen, and insurers may argue that the additional damage is not related to the original incident.

Starting early not only protects your home from further harm but also increases the chances of receiving a fair settlement.

Not Documenting Enough Evidence

When gathering evidence for a flood insurance claim or any other water damage claim, having more documentation is always better. Insurers will request proof of what happened, the extent of the damage, and any related details. You can always delete extra images later, but you cannot go back in time to get missing evidence.

Take photos of everything and capture multiple angles. This helps strengthen your claim and gives you a clearer understanding of the full extent of the damage, which leads to a more complete and accurate submission.

Overlooking the Details of Your Policy

Another common issue is not reviewing the details of your policy. Understanding your deductible, coverage limits, and exclusions will help you set realistic expectations for a fair settlement.

It is also helpful to know which types of damage are automatically covered and which require additional proof. This reduces misunderstandings with your insurer and helps the claim move forward more efficiently.

Assuming Denial or Low Settlement Is Final

After reviewing your claim, the insurance adjuster will provide a settlement offer. Many homeowners accept the first offer without realizing they can question or negotiate it.

Before agreeing to anything, ask for a detailed explanation of how the settlement was calculated. Make sure every affected area and damaged item is included. If something seems incomplete or undervalued, you can negotiate and request a revised offer.

Our Best Advice: Work With a Professional

Filing a water damage claim and pursuing a fair settlement can be a time-consuming and complex process. Between work, family responsibilities, and everyday life, most homeowners find it difficult to manage everything on their own.

A licensed public adjuster can make a significant difference. Public adjusters work for you, not the insurance company. We understand how insurers operate and can help you secure a better settlement while you focus on restoring your home. Professional water damage claim services can save time, stress, and money.

ClearClaim is a public adjuster company serving Ontario, New Brunswick and Atlantic Canada. If you are dealing with water damage or preparing to file a claim, we are here to help you navigate the process and get you the best settlement possible.

Source: https://www.clearclaim.ca/post/what-most-homeowners-get-wrong-when-filing-a-water-damage-claim

#waterdamageclaim #PublicAdjusters

How A Public Adjuster Can Save You Time, Money, and Stress After a Disaster

We all think of those ‘what if’ disasters, like a random house fire, theft, or storm damage, hoping they’ll never happen. But sometimes, they do.

When the worst becomes real, your first call is usually to your insurance company.

But what if the insurer pushes back, buries you in fine print, or denies your claim? That’s when you need someone who's really on your corner: a public adjuster.

And for families in New Brunswick, Atlantic Canada and Ontario, having a trusted public insurance adjuster on your side can make all the difference.

Defining a Public Adjuster

First things first, what even is a public adjuster?

Most people know about private adjusters, the ones working for your insurance company. They’re not villains, but let’s be honest: they serve the insurer’s interests first. They’re not exactly motivated to hand out the biggest possible settlement.

A public insurance adjuster, however, represents you. They gather evidence, interpret the legal maze that is your insurance policy, and negotiate what you deserve. They’re essentially your insurance-claim bodyguards. No sunglasses or earpieces, but they got your back.

If you’re in New Brunswick, Atlantic Canada, and Ontario, this can make a massive difference when your life suddenly becomes a before-and-after disaster episode. And yes, a reputable public adjuster company knows those provincial insurance quirks so you don’t have to.

How a Public Adjuster Actually Works

If you’ve never filed a large insurance claim, the process can feel like trying to assemble IKEA furniture without the instructions. A public adjusting firm, like ClearClaim, steps in to handle the entire thing from start to finish.

Step 1: Free Consultation

First, our team listens to your story. We will ask the important questions, look at the damage, and explain your options clearly without confusing legal jargon, so that we can start working on your case right away.

Step 2: Building Your Case

We meticulously gather documentation, photograph all damage, and carefully review your policy wording. This thorough preparation allows us to construct the strongest possible version of your claim, ensuring we are fully equipped to fight for the compensation you deserve.

Step 3: Negotiation and Settlement

Once your file is ready, we will negotiate with your insurer on your behalf. You get updates, transparency, and finally, a settlement that reflects what you’re really owed. You then collect your payout and focus on getting your home and life back to normal

We support you every step of the process, so that you can feel more comfortable during an otherwise stressful situation.

Key Benefits of Working with a Public Adjuster

Get Back Hours of Your Life

A disaster already throws your schedule into chaos. Nonetheless, letting professionals handle paperwork, calls, inspections, and follow-ups frees up your time to focus on recovery and getting your life back on track.

Secure the Maximum Settlement You Deserve

A public adjuster company works to secure you a fair payout. We know how to read insurance language and how to deal with the sketchy tactics insurance companies rely on. Thus, we prepare accordingly and counteract them, getting you a better result in the end.

Take the Stress Off Your Shoulders

Let’s be real, filing insurance claims is always exhausting. With a licensed public adjuster on your side, you avoid the emotional roller coaster of negotiating with your insurer. Someone else does the back-and-forth while you take care of yourself.

Always Know What’s Happening With Your Claim

During and after the settlement process, a good public adjusting firm keeps the line open: updates, explanations, documents, next steps. You’re never left guessing.

Ready for support when you need it most? We can help.

A disaster is already enough of a headache, and you shouldn’t have to wrestle with your insurance company on top of everything else.

The good thing is that you don’t need to navigate the process alone: you don’t have to chase insurers or decode policy language. Let a professional team step in, protect your interests, and get you the payout you deserve.

Contact ClearClaim to schedule your consultation. We’ll review your file, confirm what support will help most, and move your claim toward a funded rebuild.

Source: https://www.clearclaim.ca/post/how-a-public-adjuster-can-save-you-time-money-and-stress-after-a-disaster

#PublicAdjuster #licensedpublicadjuster

Winter Water Damage: How to Handle Claims for Frozen Pipes and Other Winter Hazards

With winter around the corner, homeowners across Ontario, New Brunswick, and Atlantic Canada can only think about that one thing: freezing temperatures and the risk of unexpected property damage.

Bursting pipes, roof leaks, or fallen branches breaking windows can turn an ordinary cold day into a stressful emergency. On top of that, climate change is driving harsher and more unpredictable winters, so the odds of facing serious water damage have never been higher.

If that happens, your first reaction might be to call your insurance company. But if you’ve ever filed a claim before, you already know how frustrating that can be. Insurance companies often look for reasons to deny, delay, or underpay claims.

Thankfully, you don’t have to face this alone. A public adjuster can handle the heavy lifting for you and make sure your case is treated fairly.

What Is a Public Adjuster?

A public adjuster, as the name suggests, is an adjuster who works for the public, you, and not for the insurance company. Our job is to evaluate your losses, document every detail, and negotiate a fair settlement on your behalf.

You may be familiar with private adjusters, professionals who come when you first file a claim and represent the insurer’s interests. Public insurance adjusters are different because we represent you, making sure that your voice is heard.

When your home floods from a broken pipe or ice builds up on your roof, the situation is very overwhelming. A good public adjuster company will take the weight off your shoulders so you can focus on getting back to normal while we handle the paperwork and negotiations.

The Advantages of Working With a Public Adjuster

Trying to handle a claim on your own can be exhausting. You have to read complex policy language, gather endless paperwork, and face adjusters who may not have your best interests at heart. A licensed public adjuster takes all of that off your plate.

Here’s what you gain by working with a public insurance adjuster:

Professional, independent damage assessments.

Clear explanations of your coverage and exclusions.

Strategic negotiation with your insurer for a fair settlement.

Confidence that your water damage claim services are handled properly.

Hiring a public adjuster often means the difference between an underpayment and a full recovery. At ClearClaim, your adjuster keeps you informed every step of the way, answering questions and making sure you never feel left in the dark.

How the ClearClaim Process Works

At ClearClaim, we guide you through every step of the way, from ensuring you are well informed to the moment you receive the maximum settlement you deserve:

Free Consultation: You'll chat with an experienced public adjuster who will review your situation and policy, letting you know what to expect.

Case Building: Our team will gather all the necessary proof, like photos and expert reports, to strengthen your water damage claim.

Negotiation: ClearClaim's team will negotiate with your insurer, always looking to get you a fair payout and the most comfort possible during hard times.

Best of all, there’s no financial risk. If we review your case, the worst outcome is that you keep your original offer. In most cases, however, our clients end up with a significantly higher payout.

Need Help with Your Water Damage Claim?

Let ClearClaim’s experienced public adjusters step in and handle your claim from start to finish. Whether you’re in New Brunswick, Ontario, or Atlantic Canada, our public adjusting firm is ready to help you fight back against denied or underpaid insurance claims.

If your insurer has rejected your frozen pipe insurance claim or you believe your water damage insurance payout is too low, don’t wait. Reach out to a licensed public adjuster today and get a free, no-obligation consultation.

Contact ClearClaim today and let an expert public adjuster company help you recover what you’re truly owed.

Source: https://publicadjusterscanada.wordpress.com/2025/10/29/winter-water-damage-how-to-handle-claims-for-frozen-pipes-and-other-winter-hazards/

#Claims Adjuster

Denied, Delayed or Underpaid? When to Call a Public Adjuster for Storm, Fire, or Flood Claims

Have you ever thought about what you’d do if a disaster struck your home? Maybe an electrical short causes a sudden house fire claim, or heavy rain leaves you with a flooded basement and a need for urgent flood claim services. Sometimes it’s a friend or family member who’s hit with a storm loss and you want to help, but aren’t sure how.

If your first instinct is to call your insurance company after the dust settles, you’re on the right track. But as countless homeowners in Ontario, New Brunswick, and Atlantic Canada have learned, handling insurance claims for fire, flood, or storm damage can quickly become stressful, confusing, and time-consuming. This isn't ideal—you’re already facing repairs, cleanup, and even displacement.

Here’s the good news: You don’t have to face this alone. Working hand-in-hand with a licensed public adjuster or a trusted public adjuster company means you have an expert guiding you from start to finish.

At ClearClaim, we’ve helped families across the region recover from disaster. In this article, you’ll find a simple, step-by-step roadmap for what to do after a catastrophe, when to reach out for flood insurance claim or house fire claim adjuster help, and how a public adjusting firm can make the entire process easier and fairer.

What Exactly Is A Public Adjuster?

A public insurance adjuster, sometimes called a house fire claim adjuster or storm damage public adjuster, is a claims professional who represents you, not your insurer. While insurance company adjusters work for the carrier, a public adjuster company or public adjusting firm like ClearClaim is hired to protect your best interests.

We know the details of policy language, exclusions, and endorsements, and we advocate for you from your first notice of loss to the final settlement. Whether you’re dealing with a house fire claim, a flood insurance claim, or major storm damage, having an expert on your side can make the difference between a denied or underpaid claim and a fair recovery.

How Does a Public Adjuster Actually Work?

Here’s what happens when you work with ClearClaim, a leading public adjuster company in New Brunswick and Ontario:

Independent Assessment: Whether you are filing your first flood insurance claim or disputing a house fire claim that was denied, we start by reviewing your unique situation and the full extent of your loss.

Documenting Losses: We carefully record and reconstruct the events and damages to strengthen your case and to improve the chances of a better settlement.

Policy Interpretation: Insurance policies are often filled with confusing language. Our expertise ensures nothing important gets overlooked.

Negotiation on Your Behalf: We handle the back-and-forth with the insurance company, taking the pressure off you and letting you focus on getting back to normal.

This personalized approach makes us a trusted public adjusting firm for families across Atlantic Canada.

How Does a Public Adjuster Help You?

Homeowners typically choose a public adjuster company for three main reasons:

Peace of Mind: You get a professional team handling the claim, freeing you to focus on safety, cleanup, and repairs. We’re your single point of contact when stress is highest.

Expertise & Leverage: A licensed public adjuster knows how carriers evaluate losses. We make sure your file includes the documentation and valuation details that drive results, especially for smoke remediation, water mitigation, code compliance, and like-kind-and-quality matching.

Better, Fairer Settlements: Whether a claim is denied, delayed, or underpaid, a public adjuster builds a stronger case and negotiates for the compensation you deserve. We know how to reopen discussions and pursue supplements supported by evidence.

When Should You Call a Public Adjuster?

Here are common moments homeowners reach out to a public adjuster company like ClearClaim:

Your claim is denied or underpaid: A denial doesn’t always mean the end of the road. We analyze the carrier’s reasoning, point out misinterpretations or missing documentation, and present a stronger case. If the initial offer doesn’t cover real repair costs, we will negotiate for a fair settlement.

Your claim is delayed: After major storms, assessments can be rushed or generic. A storm damage public adjuster ensures your loss receives individualized attention and that important line items aren’t skipped.

Complex or extensive damage: Fires, floods, and severe storms can create layered issues, like structural, electrical, HVAC, mold, and smoke odor. A public insurance adjuster understands both policy language and construction methods, so the scope reflects what it actually takes to restore your home.

Ready For A Second Opinion?

If your claim feels stuck, or the offer doesn’t reflect the true cost to restore your home, you don’t have to navigate it alone.

ClearClaim is a public adjuster company serving Ontario, New Brunswick and Atlantic Canada, here to support families with flood claim services, house fire claims, and storm losses from first notice through final settlement.

Our team will review your file, explain your options, and take the weight off your shoulders so you can get back to normal, faster and with confidence.

Source: https://www.clearclaim.ca/post/denied-delayed-or-underpaid-when-to-call-a-public-adjuster-for-storm-fire-or-flood-claims

#PublicAdjusters #publicinsuranceadjuster

How a Public Adjuster Can Help Rebuild Your Home After a Fire Loss

A house fire turns life upside down in minutes. Once everyone is safe, most homeowners in Atlantic Canada and Ontario call their insurer and open a house fire claim.

Unfortunately, most first offers are low or the claim gets outright denied. This is when you should hire a public adjuster to represent you, document the loss and negotiate the funds to rebuild.

A licensed public adjuster focuses on your policy rights and the proof carriers require. That way, you're not left guessing about coverage.

Here’s how a public insurance adjuster like ClearClaim helps you move from assessment to rebuild.

What a Public Adjuster Does for You

Who They Work For

Insurers send an independent adjuster who works for the carrier and reports back to them. A public adjuster company represents you, the policyholder.

What They Do After a Fire

At ClearClaim, our licensed public adjuster team performs its own inspection, deciphers every clause in the policy, and builds a documented claim file: line-item repair estimates, smoke and soot evidence, contents inventory, and additional living expense support.

When to Call A Public Adjuster

Bring in a public adjuster when the first offer seems low, your house fire claim is denied, or the process stalls. We coordinate documentation, deadlines, and communication with the insurer so you can move toward a funded rebuild of your home.

Think of a public adjuster as an ally that is ready to fight for what is rightfully yours.

Why You Should Hire a Public Adjuster

Get Higher Payouts

Fine print can make or break a settlement. A missed filing deadline or misinterpreted exclusion can cost you tens of thousands of dollars. By retaining a house fire claim adjuster who understands the nuances of Atlantic Canada and Ontario policies, you'll likely see a much larger recovery.

Faster Claim Resolution

No one wants to spend time dealing with insurers. A licensed public adjuster manages forms, inspections, and follow-ups, keeping deadlines on track so work can begin sooner. You get a single point of contact instead of chasing updates.

Understand Your Coverage and Rights

Policy language can be dense, and insurance companies know it. Having a licensed public adjuster interpret coverages, limits, and endorsements means you are never left guessing about what is owed to you.

We Handle Negotiation For You

Your adjuster prepares evidence, compares fair pricing, and negotiates with the carrier’s house fire claim adjuster. You stay focused on your family while we push the claim forward.

What You Can Expect When Hiring ClearClaim

When you choose us to manage your fire damage claim, we prioritize simplifying the entire process for your convenience. Here’s an overview of our approach:

Free Consultation & Policy Review: Every engagement starts with a no-obligation review of your file. We review your policy, your photos, and the initial inspection notes for your house fire claim. You’ll leave with clear next steps and a yes/no on whether professional representation will improve the outcome.

Damage and Cost Estimate: Our adjusters create a line-item estimate documenting structural damage, smoke and soot infiltration, personal-property loss, and even additional living expenses. Precise documentation is the backbone of a successful house fire claim.

Submit, Follow Up, Negotiate: As a seasoned public adjusting firm, we present the carrier with thorough evidence and leverage provincial regulations to push for every penny you deserve.

Resolution and Rebuild Support: When payment is approved, we help monitor release of funds and, if needed and remain available for questions until your home is restored.

What to Do If Your House Fire Claim Is Denied

A denial is not the end of your house fire claim. A public adjuster company like ClearClaim can:

Retain independent fire investigators to determine the true cause of loss

Gather additional statements, photographs, and expert reports

Prepare and file a robust appeal package within statutory deadlines

Re-open negotiations until the house fire claim adjuster at the insurer relents or new evidence compels reconsideration

By partnering with a public insurance adjuster who specializes in appeals, many homeowners see reversals of unjust denials and receive settlements that fully fund rebuilding.

Speak with a ClearClaim Adjuster Today

ur public adjuster company serves Atlantic Canada and Ontario. Start with a free policy and loss review.

Contact ClearClaim to schedule your consultation. We’ll review your file, confirm what support will help most, and move your claim toward a funded rebuild.

Your claim. Our fight.

#public insurance adjuster

Why Insurers Hope You Don’t Call a Licensed Public Adjuster

If you ever find yourself in the vulnerable position of being hit by a natural disaster like a storm, or if your home is broken into and valuables are stolen, your first instinct might be to call your insurance company. After all, their job is to protect you, right?

That is, until you find out your insurance claim was denied or drastically underpaid.

The Adjuster That Works for You, Not Them

Imagine this: After a burst pipe floods your home, your insurance company sends their own adjuster. But their estimate barely covers cleanup. That’s when a public adjuster steps in to fight for what you’re truly owed.

Unlike private adjusters who are employed by your insurer, licensed public adjusters work for you. That’s right, we are hired by the public, not the insurance company.

Our mission? To examine your claim, whether it’s a flood insurance claim, vandalism insurance claim, or a windstorm claim, gather evidence, and push back against lowball offers or rejections.

In short, a public adjuster company is your ally when the insurance process gets tricky.

What Your Insurance Company Is Not Telling You

It’s no secret that insurance companies make their profits from the difference between what you pay and what they pay out. The less they pay in claims, the more they get to keep. So, despite what they tell you, it’s in their financial interest to deny or underpay as many claims as legally possible.

Sadly, when that private adjuster arrives at your door, their job isn’t to make sure you’re treated fairly. Their goal is to find reasons your claim shouldn’t be covered, no matter how valid your claim may be. Maybe they’ll argue it was a pre-existing issue, poor maintenance, or worse, an error in how your claim was filed.

That’s where we public adjusters come in. A licensed public adjuster will fight on your behalf, review your policy thoroughly, and advocate for the full compensation you deserve, but your insurer certainly won’t tell you that.

But much to their demise, we got you covered.

Why Working With a Public Adjuster Can Pay Off—Literally

So, what can you expect when working with a public adjuster like us at Clear Claim, serving clients across Ontario and New Brunswick?

Here’s what we bring to the table:

Faster Claim Resolution: We know the system inside and out. We cut through the red tape to get your claim moving quickly.

Fair Assessment of the Damages: We provide a true evaluation of your loss, not one shaped to protect the insurer’s bottom line.

Expert Knowledge on Your Side: From storm damage public adjusters to those handling theft and water damage, our team knows how to handle even the most complex cases.

Less Stress and a Smoother Recovery: We handle the paperwork, the calls, the negotiating, letting you focus on getting your life back to normal. At ClearClaim, we've helped hundreds of clients win back more than $50 million in payouts.

How ClearClaim Helps You Reclaim Control

Now that you're considering calling in a pro, you might be wondering: what does the process actually look like? While every public adjuster company operates a bit differently, here’s how it works with us:

Free Consultation: We begin with a no-pressure review of your situation. You’ll get clear, honest guidance on what to do next.

Detailed Assessment: Our team does a deep dive into the damage. Whether it’s a windstorm claim or a flood insurance claim, we gather everything needed to support your case.

Strategic Negotiation: As experienced public insurance adjusters, we use our expertise to deal directly with your insurer and push for the highest payout possible.

Timely Resolution: No one likes delays. We work hard to get you compensated quickly, so you can start rebuilding without the wait.

Buried in Claim Paperwork? ClearClaim Is Your Way Out

If your home or business has been damaged and you’re drowning in confusing paperwork, vague answers, and disappointing settlement offers, it’s time to stop going it alone.

Let ClearClaim, a trusted licensed public adjuster proudly serving Ontario and New Brunswick, step in to guide you through the process with clarity, care, and expertise.

We’ll take the stress off your plate and make sure you’re treated fairly. You deserve more than the minimum payout.

Book your free, no-obligation case evaluation today. We’ll show you exactly what your insurance company isn’t telling you, and how we can help you claim what’s rightfully yours.

Source: https://publicadjusterscanada.wordpress.com/2025/07/29/why-insurers-hope-you-dont-call-a-licensed-public-adjuster/

#publicadjuster

What a Public Adjuster Can Do for Your Insurance Claim

If you live anywhere in Canada, you are probably familiar with the ever more common ice and snow storms that are happening every winter. Last march, hundreds of thousands of Canadians suffered from power outages during an ice storm that affected Ottawa, parts of Quebec, and Ontario (including New Brunswick).

However, a power outage was the best case scenario during the storm. Some people were more unfortunate than others and suffered from burst pipes, downed trees crushing their houses or streets or worse.

People called their insurance companies to assess the damages and get the solutions they needed. However, as so many people were victims of this type of disaster, it strains insurances' margins, which pushes them to assign smaller payouts or in the worst case, deny them all together.

It’s understandable if reading this makes you a little anxious. You might wonder, “What if this happens to me?” Or worse, “What can I do if my insurance claim is denied?”

The good news? You’re not alone—and not out of options. That’s where public insurance adjusters come in.

What Is a Private (Insurance Company) Adjuster?

When you file a claim with your insurer (for example, a vandalism insurance claim, flood insurance claim, or windstorm claim) they send out a private or “independent” adjuster. But here’s the catch: they work for the insurance company.

What Is a Public Adjuster?

A licensed public adjuster, on the other hand, works for you. They’re your advocate, not your insurer’s. Their job is to evaluate your damages, prepare your case, and negotiate to maximize your payout.

What’s the Role of a Public Adjuster?

Now that we have told you about the two types of adjusters, let us tell you exactly what a public adjusting firm does. As we mentioned, public adjusters’ purpose is to be your ally during a difficult time when you have to file (and fight) a claim.

How Does a Public Adjusting Firm Work?

In short, the process of working a public adjuster is the following:

Initial Evaluation: A licensed public adjuster reviews your case. At ClearClaim, we offer this consultation for free.

Strategic Planning: Licensed public adjusters explain your best options, based on policy details and claim circumstances.

Claim Rebuild: Whether it's overturning a denied claim or challenging a low payout, a good public adjuster creates a detailed strategy and documentation.

Negotiation & Resolution: They represent you to your insurance company, ensuring your claim stands up to scrutiny and gets you the maximum settlement.

For example, after a major ice storm, you may call a storm damage public adjuster. We’ll assess the damage, gather evidence, and build a claim that’s impossible to ignore.

What Are the Main Benefits of Hiring a Public Adjuster?

A public adjuster’s role extends well beyond simply helping restores your property. At ClearClaim, we believe our job is also to help you reclaim stability, security, and peace of mind during one of the most stressful times of your life.

Here are three reasons you should hire a public adjuster:

Maximized Settlements: Public adjusters are trained to spot undervalued damage, hidden losses, and overlooked policy coverage. We catch hidden damage and underpaid claims that insurers miss—ensuring you get every dollar you're entitled to.

Time and Stress Savings: Navigating the claim process can quickly become overwhelming. We handle the paperwork, follow-ups, and pushback—so you can focus on getting your life back.

Expert Advocacy When You Need It Most: Insurance companies have their own adjusters. Insurance companies have professional adjusters. Now, so do you. We even the playing field and fight for what’s fair.

Ready to Take Control of Your Claim?

If you're facing damage and don’t know where to begin, don't face the insurance company alone.

Let Canada’s trusted public adjusting firm, guide you with clarity, confidence, and care.

Book your free case evaluation with ClearClaim today and discover how strong your claim can be with a licensed public adjuster by your side.

Source: https://publicadjusterscanada.wordpress.com/2025/06/28/what-a-public-adjuster-can-do-for-your-insurance-claim/

#publicadjuster’s #publicadjustersontario

How Public Adjusters Help Maximize Your Insurance Claim

Whether it's a storm claim, fire claim, or sudden vandalism, one thing is certain: it only takes one big loss to turn your life upside down. And if you have insurance, you're forced to act fast, all while managing the stress and emotions that come with asking yourself: Are they on my side?

Unfortunately, dealing with an insurance company tends to be a nightmare. Delays, lowball offers, or outright denials are way too common. And when it’s your home, your livelihood, and your peace of mind at stake, that’s just not acceptable.

When disaster strikes, you deserve to be paid what you’re owed.

That’s where a public adjuster steps in to maximize your insurance claim.

What Is a Public Adjuster?

You might be familiar with private adjusters who work for your insurance company and come to evaluate the situation (more on them later).

However, they are NOT the same as public adjusters.

A public adjuster is a licensed insurance professional who represents you, the policyholder, not the insurance company.

Their job is to handle every part of the claim process, from documenting damage to negotiating settlements, ensuring you get the compensation you deserve.

At its core, a public insurance adjuster exists to protect your rights during one of the most vulnerable moments in your life. Whether it’s a windstorm claim, house & fire claim, or vandalism loss, a good public adjusting firm can help you fight back against typically unfair insurance tactics, and the best part… actually win.

Public vs. Private Adjusters: Know the Difference

Now, going back to the other type of adjusters.

Insurance companies have their own insurance adjusters, also known as private or (sometimes) independent adjusters, who investigate and evaluate claims on the insurer’s behalf. They work for the company, not for you.

A public adjusting company, on the other hand, works solely for policyholders. They bring balance to the table, ensuring that your needs and losses are fairly represented during the claims process. Think of them as your personal claim advocate.

When Should You Hire a Public Adjuster?

Hiring a public adjuster isn’t always necessary, but when your claim is complex or high-value, or if you've already been underpaid or denied, a public adjuster can really be a game-changer.

Consider calling a licensed public adjuster if:

You’re dealing with extensive damage from a storm claim, fire, or burst pipe.

Your insurance adjuster offered a settlement that feels too low compared to what you think you deserve.

The claim is being delayed or denied with little explanation from the insurance company.

You’re overwhelmed and need a professional to take over (it is only natural that you want a break).

Whether it's a residential fire claim or a commercial vandalism claim, a skilled public adjusting firm can get your claim back on track, often securing far more than the original offer.

Key Benefits of Hiring a Public Adjuster

Hiring a public insurance adjuster means more than just paperwork support. It means having a battle-tested negotiator on your side. Someone who actually cares for your well-being after a disaster.

Here’s what they bring to the table:

Thorough Damage Assessment: From structural damage to inventory losses, they ensure every detail is documented and valued correctly.

Claims Adjustment Expertise: They understand policy language, coverage limits, and how to apply them in your favor.

Professional Communication: They handle all correspondence with your insurer, saving you stress and protecting your interests.

Specialist Coordination: Need an engineer or restoration expert? A public adjusting company can coordinate third-party assessments to strengthen your claim.

Effective Negotiation: Insurance companies know they’re up against a pro, and that alone can lead to faster, higher settlements.

Don’t Let the Insurance Company Win

Picture this, your home was damaged in a fire, and your insurer offers $85,000. But an independent assessment by a public adjuster shows the actual cost to rebuild is closer to $145,000. That $60,000 gap could mean the difference between rebuilding properly and having to cut corners. After a disaster, you do not want to spare on rebuilding your place.

If you’ve experienced a storm, fire, or vandalism loss, don’t settle for less than you deserve.

At ClearClaim, our team of licensed public adjusters knows how to fight back and win. We’ve helped hundreds of homeowners and businesses across Canada secure the payouts they’re entitled to, without the games, the guesswork, or the delays.

Let us, a trusted public adjusting company, take the weight off your shoulders. Your recovery starts with a free consultation.

Talk to One of Our Public Adjusters Today. It’s FREE!

Source: https://www.clearclaim.ca/post/how-public-adjusters-help-maximize-your-insurance-claim

#residentialfireclaim #vandalismclaim #PublicAdjusters #publicinsuranceadjuster #publicadjustersontario

Trending Blogs

Recently Viewed Blogs

Clear Claim Public Adjusters Inc.