Public Adjusters In Rhode Island

When your business or home in Rhode Island has been damaged by a storm, fire, vandalism or other disasters, you may be wondering who will fix it, how much it’s going to cost and whether to file an insurance claim. 

If a disaster like a fire or severe weather has struck your home or business, call Performance Adjusting Public Insurance Adjusters today! The sooner we hear from you, the quicker we can start reviewing your claim.

Performance Adjusting logo in white

7,750+

Claims Settled Since 2005

Performance Adjusting logo in white

6

Licensed Public Adjusters on Staff

Performance Adjusting logo in white

140

Years of Combined Industry Experience

What Is a Public Adjuster?

public adjuster handing client insurance check after their Rhode Island claim

A public adjuster represents a policyholder during a property insurance claim. An adjuster can help prepare the claim, draft documentation, communicate with the insurance company and negotiate payment of losses.

Our adjusters will help you navigate the process quickly and painlessly so you can focus on getting back on track!

I Need a Public Adjuster in Rhode Island. Where Do I Start?

We understand how property damage can feel overwhelming, and how challenging it can be to know where to begin. These first steps can help prepare your claim:

  1. Thoroughly record damage: As soon as you see damage, take pictures and videos, make notes of times and dates, and any other details you feel are relevant. Additionally, keep a log of people you have spoken with, including the dates and times of these conversations.
  2. Assess your insurance policy: Find your insurance policy documents and read through your coverage terms and conditions, making notes of details like the claims process, deductibles and types of damage covered.
  3. Reach out to a public adjuster: Get in touch with a Rhode Island public adjuster before making a call to your insurance company. The public adjuster can advise you on how to report property damage to your insurance provider and check that the information you provide is accurate.
  4. Confirm adjuster licensing: Before agreeing to work with a public adjuster, it’s recommended that you verify the licensing status with the Rhode Island Department of Business Regulation. A license offers assurance that the public adjuster meets professional standards.
  5. Understand the expectations: Once you’ve chosen a public adjuster, maintain communication and check that you understand the terms of your contract, related fees, the adjuster’s previous experience with similar claims and your next steps.

Key Questions to Ask a Public Adjuster

RI public adjuster and restoration technician looking at house blueprints

Before you hire a public adjuster, think about asking the following questions:

  • Do you have a current Rhode Island license?
  • Have you dealt with claims involving the same type of damage?
  • Will I have to pay a contingency fee or percentage up front?
  • What information will my contract cover?
  • When will I receive my contract?
  • Will I be assigned a main point of contact?

Performance Adjusting can help with new and existing claims, even if you’ve already filed or received payment. In many cases, we can review claims up to two years from the date of loss, and sometimes longer, depending on the type of claim and your insurance policy.

What to Expect After Hiring a Rhode Island Public Adjuster

Once you hire a Rhode Island public adjuster, you can expect the following services: 

    • Insurance policy review: A public adjuster will thoroughly review your policy from top to bottom, identify key points of your coverage and explain what you may receive as a result of your claim.
    • Temporary housing: If your home is deemed unsafe, a public adjuster may help make arrangements to secure temporary housing. 
    • Additional living expenses: Public adjusters can assist with reimbursement for food or clothing if you no longer have access to a kitchen or have lost personal property.
    • Communication: A public adjuster can facilitate communication with your insurance company, so you won’t have to answer the phone or respond to texts, emails or letters unless it’s absolutely necessary.
    • Loss of use and revenue: If your business faces extensive damage and has to close, a public adjuster can act on your behalf to recover lost revenue.
    • Negotiation management: Public adjusters can communicate on your behalf with your insurance company to negotiate payment of losses.

At Performance Adjusting, we’re a full-service public insurance adjuster firm. For repairs, we can enlist Rhode Island Restoration to help restore your property.

We offer 24/7/365 availability. Call us today at 401-724-9111 with any questions about property loss claims, property damage or the insurance claim process.

Why Work With Performance Adjusting?

Since 2005, Performance Adjusting has helped homeowners and business owners settle over 7,750 claims, and our team of experts has more than 140 years of combined industry experience.

We have a team of six licensed public adjusters. Our locations are in North Providence, Cranston and Wakefield. Our public adjusters also work in Massachusetts, Connecticut and Florida.

Ready to discuss your property claim? Contact us today for a free consultation with no strings attached.