FILING A CLAIM? WE LEVEL THE PLAYING FIELD
Don’t go at this alone! Unlike the adjuster your insurance company sends, we work for YOU! Our number one priority is to help you get the highest payout possible. Get started by scheduling a free evaluation now!
Request Free Claim Review
WE HAVE YOUR BACK,
NOT THEIRS
You would never ask an IRS agent to file your taxes on your behalf so they can maximize your savings–why would you expect the insurance companies’ adjuster to be any different? Get your own Adjuster today! You need an Advocate!
Request Free Claim Review
DENIED, DELAYED, OR DISPUTED? WE CAN HELP
We’re YOUR Advocates, we fight to make sure you get what you’re owed when disaster strikes. Don’t let your insurance company give you the run-around. Give us a call today!
Request Free Claim Review

Public Adjusters Montana

Despite the fact that you’ve been paying property insurance premiums for years, your insurance provider and their adjusters they send still have a strong financial incentive to give you the smallest payout possible on your claim. Their ultimate goal is to pay dividends to their shareholders, not cover your losses. As Public Adjusters, we advocate on behalf of you, the policyholder, to maximize your recovery and help get your property back to pre-loss condition. 

Our licensed public adjuster team comprises loss consultants, appraisers, and other professionals you need for accurate and meticulous estimation and documentation of the damage. We are at your service all the time, and our services can be availed in different areas of the US.

Dealing with property damage could affect the routine of homeowners and could result in a loss for commercial property owners if the damage claim is not quickly and properly negotiated. Your interest is our priority, and our work is always detail-oriented, no matter how big or small the insurance claim amount is. Under stressful circumstances, when you already have so much on your plate, hiring a professional Public Adjuster as K-Factor Advocate would be the best choice to make.

Request Free Claim Review




    Our Qualified Team Will Explicitly Go Through All The Steps Required For The Damage Claim Through The Following Steps.

    • Analyzing the damage and potential risks for further damage.
    • Conscientiously document the details of the damage.
    • Thoroughly going through the insurance policy to understand and file a claim.
    • Negotiating with the Adjuster who is representing the insurance company.
    • Fighting for the best interest of the property owner till the best settlement amount is received.

    K-Factor Advocates Public Adjuster Montana is an experienced firm with experts in every field of property damage insurance claims. From understanding the complex language of insurance policies to in-depth knowledge about the technicalities related to insurance claims, we have proven ourselves repeatedly. Among the different services that we offer include fire damage, water damage, lightning damage, etc.

    A meticulously calculated and documented damage and an expedited claim with the maximum amount of recovery is what you deserve, and we are here to do it all for you.

    On Your Side

    We work for YOU, not your insurance provider. This means you can trust we’ll do everything in our power to get you the best recovery on your claim possible.

    Here To Help

    We use our expertise to ease the burden of filing your insurance claim (inspecting damage, taking pictures, preparing estimates, interpreting your policy, etc.).

    Seasoned Experts

    This isn’t our first rodeo! We’ve helped hundreds of clients navigate the challenges of insurance claims and get their fair settlements.

    Claim Types

    hail-wind-and-storm-damage

    Hail, Wind, and Storm Damage

    lightning-damage

    Lightning Damage

    2

    Water and Flood Damage

    mold-damage

    Mold Damage

    crop-damage

    Crop Damage

    farm-and-ranch-damage

    Farm and Ranch Damage

    other-covered-perils

    Other Covered Perils

    PROBLEMS WE SOLVE

    Filing an insurance claim correctly can be a challenging task. Don’t get stuck!  As your adjusters, these are some of the common stumbling blocks we can help you overcome. 

    We’re insurance policy experts. We’ll review your policy, identify everything that’s covered, then estimate exactly what you’re entitled to so you don’t have to worry about being short changed by your insurance provider.

    Insurance companies may try to find ways to lowball you or drag out the indemnification process. We leverage our knowledge of the industry to help force your insurance provider play fair and give you what you’re owed.

    Filing an insurance claim for property damage can be tedious and time-consuming. Why not let our Advocates expedite the process for you so you have more time for what you really care about?

    Frequently-Asked Questions

    The state of Montana requires a person to get a license for practicing insurance claims assistance for different policyholders. There are different requirements for different types of license adjusters in Montana. Staff adjusters( those who work for an insurance company) need a license. Public Adjusters( who file an insurance claim on behalf of the policyholders) need a different kind of license than staff adjusters. Catastrophe (CAT) Adjusters are those who travel from other states to mass destruction areas such as natural calamities that affect a large area for the sake of investigation or adjustments for a loss or series of losses on behalf of an insurer or adjusting business. Such adjusters do not need a license in Michigan.

    A public Adjuster ensures precise and accurate estimation and documentation of the damage to the property. Navigates the complex insurance policy terms and conditions and negotiates with the insurance company adjuster for winning the best interest of the policyholder.

    An insurance adjuster works for an insurance company and cannot provide its services independently. A public adjuster can either work independently for the representation of the policyholder for filing an insurance claim at the insurance company or they can also work for a public adjusting firm.

    Public Adjusters are licensed professionals that provide services to policyholders. They are knowledgeable about the insurance policies and follow all the steps for an effective insurance claim on behalf of the policyholder and are capable of maximizing the claim amount which is a win-win situation for the property owners.

    Getting an estimate for the property damage is essential for the insured because you cannot trust or depend completely on the insurance for the estimation and calculation of damage to your property. It is desired to get an estimate of the damage by yourself for better calculation of the damage and cost of repair. A professional public adjuster can help with a precise estimation of damage to the property so that the property owner receives the rightful amount from the insurance company as per the insurance policy.

    Why Hire A Public Adjuster

    We’ve created an eBook to help you learn about Public Adjusters and how they can help you get the highest insurance settlement payout possible.


        Request A Callback


        Mary Golden
        Mary Golden
        Read More
        This company was so very helpful in getting my insurance company to pay the money for a claim I submitted!!! The insurance didn’t want to pay much of the cost of the claim After hearing an explanation from this company I got the much needed funds to finish my claim!. Thank you thank you!!!.Everyone needs to know their name and they can help you!!!
        Roger Harding
        Roger Harding
        Read More
        JP is a pleasure to deal with. He holds the insurance companies accountable for what they owe their clients, and has excellent communication along the way.I will be recommending K-Factor to all of my friends in the future.
        Bobbie Hall
        Bobbie Hall
        Read More
        I appreciated that JP Korpi kept me well informed of progress with my insurance claims for roof, siding, windows and garage doors. Great job!
        David
        David
        Read More
        We can’t imagine getting through this without all your help. Thank you so very much!
        Phyllis
        Phyllis
        Read More
        This would’ve never happened without your relentless and tireless effort and attention to every minor detail thank you for all the work you’ve done.
         Lisa
        Lisa
        Read More
        You and your team were incredible, we would’ve have never been paid correctly without your ability to relay every detail of the loss to our insurance carrier. Your team is wonderful!
        Richard
        Richard
        Read More
        The Independent insurance adjuster told us there was no coverage for our collapsed barn. I have no clue what we would have done without each and every one of you.
        The Miller Family
        The Miller Family
        Read More
        When the wheat crop was hit by hail, your team of experts were there to walk this through with our adjuster. I can easily say you saved the farm. Thank you! (PS Kylie says she wants to fly your drone again.)
        David
        David
        Read More
        After three years from the fire, our family is finally back in its home. This was the longest three years of my life. If not for you and your team, I know we would still been homeless. A world of thanks.
        Karen
        Karen
        Read More
        I would have never had a clue how much damage was caused by my kitchen flood. Thank you, my new kitchen is beautiful.
        Buck
        Buck
        Read More
        When that semi hit the fence on our property your team was able to get all the fence replaced not just the damaged section. Thanks!

        Our Partners

        Set A Meeting

        Interview Between JP Korpi and Remediation and Restoration Magazine

          Request Free Claim Review