What is a Public Adjuster?
A Public Adjuster is an insurance claims expert who can help you file, negotiate, and settle your insurance claim. P.A.s get much better results for you in comparison to filing the claim on your own. P.A.s, as they are sometimes called in the industry, represent you, the policyholder.

Doesn't my insurance company adjuster help me file my claim?
Yes. HOWEVER, they represent your insurance company and its financial interest. Insurance company adjusters are obligated to save the insurance company as much money as possible when processing your claim. This means they offer you the lowest amount legally possible for your loss. Insurance companies routinely offer much lower settlements to policyholders who are not using a RORX Public Adjuster. They regularly underpay homeowner claims by 75% or more.  That means insurers often pay policyholders only 25¢ or less for every dollar of compensation available in their policy.

How can I get a fair settlement for my claim?
If you want a fair settlement for your claim you need someone with the same knowledge and expertise as an insurance company adjuster to represent you. You need a RORX Public Adjuster.

Why shouldn't I file the claim myself?
You are very likely to make costly mistakes and errors that will reduce your settlement amount significantly. Your actions may even cause your claim to be completely DENIED. Insurance companies love policyholders without representation. The insurance claims process is very intricate and detailed. Insurance contracts are complex.  Simply take a look at your insurance policy. Policies are written in legalese, making them difficult to understand. Having a trained and experienced Public Adjuster eases the burden of trying to determine policy coverage and file a claim, especially in situations where you are recovering from a tragic loss.
Will filing an insurance claim increase my insurance rates and my monthly payment?
NO! You are entitled to file an insurance claim if you have a covered loss.  Insurance companies have financial resources in reserve to handle an expected amount of fair valid claims This includes considerations for payouts of the full policy limits.  Insurance companies are required by law to be financially solvent, even in times of catastrophe. When an insurance company under pays your claim, the extra money they save is bonus profits for that company.  Getting the maximum recovery owed to you from your policy does not affect the company. As long as you do not file repeated claims in a short period of time, three or more within a 5 year period, they are not allowed by regulators to raise your rates. So, your premiums will not be increased because you file a claim.

What if I am in foreclosure or I am behind on my mortgage? Can I file a claim? Is there any help for me?
In many cases, yes you can.  If you have a mortgage on your property, even if you default on your payments, an insurance policy is put in place (known as a Forced Placed Policy) on behalf of the mortgage company's financial interest in your property.
If you have a pending foreclosure, or you are in danger of defaulting on your mortgage payments, call RORX for a free consultation on your mortgage obligation. We give you sound advice, and recommend you to the appropriate professionals to guide you through your ownership difficulty. Don't sacrifice your security and the hard earned money invested in your home. YOU HAVE OPTIONS!
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I have already contacted my insurance and received an offer. Is it too late to hire a public adjuster? 
Absolutely not. You can always call a Public Adjuster.  A P.A. will analyze your insurance representative's offer and ensure that you are getting the right amount of money for your claim.

I have a claim that was already settled, but there are other costs and issues that resulted from my damage.  Can I still get a Public Adjuster involved?
Yes, in some circumstances you can. However, if a release was already signed with the insurance company, there is a possibility that it may be too late. Also, keep in mind that there may be a statute of limitations for the insurance claim.

How much will I pay out of pocket to hire a Public Adjuster?
NOTHING!  P.A.s are paid only if they make a recovery for your claim.  Our pay is a small percentage of the recovered settlement.
The initial examination of your claim is FREE, and there are NO out of pocket cost to represent you through the claims process.

Will hiring a Public Adjuster cause delays? 
Insurance companies take advantage of opportunities to reduce settlements to policyholders who do not file detailed accurate claims. Public Adjusters take a little extra time to make sure the claim is filed correctly and that all considerations are included in the filing.

How long will I have to wait to get my settlement payment?
Claimants represented by P.A.s could receive settlement checks within as little as 30 days. Claim settlement times will vary on a case by case basis.