Clear Answers for Complex Claims.

Utah Code 31A-26-402 permits a public adjuster to be paid an hourly fee, a flat rate, a percentage of the amount the insurer pays to resolve the claim, or another agreed method of calculation. For active property damage claims we work on a contingency basis tied to the “new money” we recover — funds secured above and beyond the carrier's initial settlement offer. The exact percentage and how it is calculated are stated in writing in your contract before we represent you, as Utah Admin Code R590-274-7 requires. There are no upfront hourly fees for this service, and if our technical audits do not increase your payout you owe us nothing for the adjusting work. One statutory exception applies: if the insurer pays or commits in writing to pay your policy limits within 72 hours of the loss being reported, we may not charge a percentage at all, only reasonable compensation for time spent and expenses incurred.

No, this is a common misconception perpetuated by carriers. What actually delays reconstruction is accepting an under-scoped settlement that leaves you hundreds of thousands of dollars short of the actual repair cost. By quickly producing undeniable, line-item Xactimate documentation, we force the carrier to release the correct funds promptly. This technical leverage accelerates your ability to hire quality restoration contractors and complete the project legally and safely.

Because adjusting a claim on your behalf requires a public adjuster license under Utah Code 31A-26-201, and Utah Admin Code R590-274-7 bars a public adjuster from participating directly or indirectly in the reconstruction, repair, or restoration of the same property, or from holding a financial interest in a firm that gets work off the claim. The same rule prohibits an adjuster from accepting compensation for referring you to a contractor, attorney, appraiser, umpire, or salvage company. Contractors are not licensed to interpret policy language or negotiate indemnity. We keep our adjusting practice fully separate from construction economics so carriers cannot dismiss our position.

The retainer is a proactive, flat-fee subscription designed for HOA boards, hospitality assets, and multifamily portfolio managers. Rather than waiting for a fire or major water loss to occur, you hire us to perform annual replacement cost valuations to ensure your coverage is adequate. Most importantly, it guarantees a four-hour emergency response deployment if disaster strikes, ensuring immediate site control and priority processing.

Outright denials require immediate, rigorous scrutiny of the policy language and the cause of loss. We review the carrier’s denial letter against your specific policy endorsements. If they have wrongfully denied the claim based on a flawed technical assessment, we will compile the engineering and estimating data necessary to overturn the denial. If the issue requires legal interpretation beyond technical adjusting, we work seamlessly alongside your retained legal counsel.

Our firm's infrastructure, AI-auditing capabilities, and deep expertise in Utah Admin Code R590-190 are heavily optimized for complex commercial, multifamily, and institutional losses. While we selectively accept high-value residential estate claims that involve complex architectural or structural elements, we do not generally process standard, low-severity single-family residential claims. We focus where our technical leverage provides the highest ROI.

We use advanced AI-auditing tools to review preliminary carrier estimates in Xactimate. The software instantly flags omitted line items, incorrect depreciation schedules, and missing code-upgrade requirements that human adjusters often miss. We then verify these flags manually and compile them into a devastatingly precise discrepancy report, which we use to mandate a revised settlement offer.

In most cases, no. Unless you have signed a final release of all claims, cashing the initial Actual Cash Value (ACV) check does not close your claim or prevent you from seeking supplemental funds. We frequently step in after the first check is issued, audit the carrier's scope, and successfully negotiate massive supplemental settlements to cover the true cost of the loss. Contact us immediately to review your paperwork.

Yes. Utah Code 31A-26-311 gives you the right to rescind a public adjuster contract by delivering written notice within 10 days of signing, unless an acceptable settlement of the claim has already been reached before the rescission. That right is disclosed in bold type on the signature page of every contract we issue, alongside the required notices that we represent the insured only and that you are not required to hire a public adjuster to file a claim.

No. Utah Code 31A-26-402 requires that you be named as a payee on any settlement draft or check and that the check carry your written signature or endorsement. A public adjuster may never sign or endorse a payment on your behalf. Carrier funds go to you, and we invoice our disclosed fee separately.