Straight answers, no adjuster-speak.

A state-licensed claims professional who advocates for you — the homeowner, business owner or association — through every step of an insurance claim. We document the loss, appraise the damage, navigate the policy's fine print and negotiate the settlement.

Aside from attorneys, public adjusters are the only people legally allowed to represent an insured during the claims process. Anyone else offering to "handle your claim" is breaking the law.

The difference is dramatic. Industry studies show policyholders represented by a public adjuster receive on average 747% higher payouts than those who go it alone. Carriers price claims differently when a professional is checking the math.

Nothing up front — ever. We work on contingency: a small, state-regulated percentage of the settlement we recover for you. And we guarantee it: if your claim isn't paid, our service is free. (Incurred third-party costs — satellite imagery reports, Xactimate estimates — aren't included.)

No — it's just beginning. Overturning denied claims is a Think Smart specialty. We review the denial against your policy language, re-inspect and re-document the loss, and force the file back open with evidence the carrier has to answer.

You can — but you'll be negotiating against trained professionals, on their process, using their numbers. Studies show roughly 80% of valid claims end up underpaid or denied without representation. And remember: the burden of proof for every dollar of damage sits on you, the policyholder. Preparing a claim properly is a full-time job; you already have one, plus a home to rebuild.

Talk to us first — for free. First offers routinely miss hidden damage, code upgrades and full repair costs. If the settlement is short, we can pursue a supplement for the difference, even after money has changed hands.

Every claim is different — size of loss, carrier response times and state deadlines all play in. What we promise: we move immediately, we meet every deadline, and we never let a file sit quiet. The carrier will not be allowed to run out the clock.

You. Only you. Contractors and neighbors may refer us, but our license, our contract and our loyalty belong to the insured — never the insurance company, never anyone else with a stake in your settlement.

They do — and that's the problem. An insurer's profit is premiums minus payouts, and its adjusters are trained to pay as little as possible. A company adjuster is carrier staff; their allegiance is to the insurer. An independent adjuster is a contractor the same carrier hires for overflow. Neither works for you.

A public adjuster is the only adjuster on the claim whose license, fee and loyalty belong to the policyholder.

Immediately. The most common — and costliest — mistake is waiting: too many homeowners call after they've already committed to a partial settlement or let the trail of evidence go cold. The first steps taken on a loss shape the entire outcome of the claim. Make the first call this one.