Insurance Claim & Public Adjuster FAQs

A licensed professional who represents policyholders during the insurance claim process. Public adjusters work exclusively for property owners — not insurance companies. We work hard to get you a settlement offer that will be enough to put your home, or business, back to the way it was before the claim.

Not every claim requires professional representation. However, public adjusters are often beneficial for complex, large, underpaid, delayed, or denied claims.

In most cases, professional claim management improves communication and helps prevent unnecessary delays by ensuring documentation is complete and accurate.

Yes!

Many denied or underpaid claims can be supplemented or reopened if coverage or damage was overlooked, there was hidden damage, or the cost of things increased during the claims process.

Fees are typically based on a percentage of the claim recovery and are disclosed upfront. In some cases, no recovery means no fee. There may be instances where an hourly rate is charged. This will all be defined in the contract between the public adjuster and the insured.

Public adjusters may coordinate documentation with contractors but remain independent advocates focused on claim accuracy - not repair work.

Optivus Claim Solutions represents both residential and commercial policyholders throughout Utah and Idaho.