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.
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.
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.
We use our expertise to ease the burden of filing your insurance claim (inspecting damage, taking pictures, preparing estimates, interpreting your policy, etc.).
This isn’t our first rodeo! We’ve helped hundreds of clients navigate the challenges of insurance claims and get their fair settlements.
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?
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.
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.