Insurance Claim & Public Adjuster FAQs
Below are answers to common questions Utah property owners have about insurance claims and public adjusters.
What is a public adjuster?
A public adjuster is a licensed professional who represents policyholders during the insurance claim process. Public adjusters work exclusively for property owners — not insurance companies.
Do I need a public adjuster for my claim?
Not every claim requires professional representation. However, public adjusters are often beneficial for complex, large, underpaid, delayed, or denied claims.
Will hiring a public adjuster delay my claim?
In most cases, professional claim management improves communication and helps prevent unnecessary delays by ensuring documentation is complete and accurate.
Can a denied or underpaid claim be reopened?
Yes. Many denied or underpaid claims can be supplemented or reopened if coverage or damage was overlooked. A policy is often required.
How much does a public adjuster cost?
Fees are typically based on a percentage of the calim recovery and are disclosed upfront. In some cases, no recover 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.
Do public adjusters work with contractors.
Public adjusters may coordinate documentation with contractors but remain independent advocates focused on claim accuracy - not repair work.
Do you work with residential and commercial claims?
Yes. Optivus Claim Solutions represents both residential and commercial policyholders throughout Utah.
Still Have Questions About Your Claim?
A free consultation from Optivus Claim Solutions can help clarify your situation and next steps.
