Did you know that Public Adjusters get 747%

 higher settlements (on average) for 

policyholders than they get on their own? 

We're experienced public adjusters that specialize in representing homeowners like you!

Spartan Claim Resources is the pre-legal solution to insurance claim handling. 

                Neil May - Director of Operations                                          Kirby Hendry- Chief Public Adjuster                                     Taylor Sakamoto - Office Manager 

Spartan Claim Resources on the news. 

This shows how you need to beware and be aware of predatory companies.  Judi signed with a company that charged 30% and did not even handle her claim.  Their actions then caused her claim to be overly scrutinized and then denied for 6 months. 

Judi's contractor recommended our services.  We documented the claim and fought with her insurance company for months.  Our assistance and documentation were used to get her claim covered.  She received a settlement for more than she was expecting.  This is why it pays to not only hire a public adjuster but to also hire the correct team. 

 Mr. Lyon hired my firm after months of getting the run around from his insurance carrier, USAA.  They originally paid 40% of his repairs.  We worked with his contractor and the insured to document his loss.  When the insurance company delayed their response we went to appraisal to expedite the scope and amount of the loss.  They have delayed but we find that 90% of the time the valuation comes back with a substantial increase from what the carrier originally offered.  We have documented this claim not only for our own handling but for possible litigation if the client decides and if it is warranted. 

Why do you need a public adjuster? 

This Clark Howard Fox news clip is from 7 years ago but couldn't be truer today. 

The sad truth is that if your carrier is not fighting you then they are most likely underpaying your claim.   Some companies will fight you every time.  Insurance claims are not fast and if they are paying quickly, they are trying to shut down your claim. 

Clark has another video where he says that insurance companies are only paying 65 cents on the dollar to settle claims.  I agree that they are underpaying claims but 65% is unlikely if you are not getting professional assistance. 

What is a public insurance adjuster?

When should you hire a public adjuster?

When you file a claim, your homeowners insurance company  will assign a claims adjuster to you. The adjuster’s job is to evaluate your property damage and determine a payout amount based on the levels of coverage you carry on your policy.

Rather than using the insurance company’s adjuster, policyholders choose to hire a public adjuster instead.  A public adjuster will assess the damage to your property, help determine the scope of repairs and estimate the replacement value for those repairs. The big difference is that instead of working on behalf of the insurance company like an insurance claims adjuster does, a public claims adjuster works for you.

A public adjuster will handle your claim and communicate with your insurance company on your behalf. Some people feel that the extra expense of hiring a public adjuster is worth it, if only for the peace of mind that they won’t have to handle the claims process themselves. Additionally, the public adjuster will look closely at your claim and help ensure that no damage is overlooked. Depending on what they find, you will usually get a larger insurance settlement to repair the identified damage.

A public adjuster might be right for you if:

• Your claim is large or damage is severe
• If you find working with insurance companies to be stressful
• If you’ve had a poor claims experience in the past
• You are too busy to correspond with your insurance company
• If you feel that claim settlement is too low

See our video series about Advocating for Nevada 

After your homeowners insurance company issues the settlement, the adjuster receives a percentage of the payout amount as payment for their services. It is important to note that insurers do not consider the payment amount owed to the adjuster when determining the claims payout amount. This payment would come from the homeowner who hired the adjuster instead.

How do you find the right public

 insurance adjuster?

Finding a public insurance adjuster is relatively easy. 

One way to find a public insurance adjuster is to get a recommendation from friends or family members. Ideally, you want to hire someone reputable and effective. You want a reputable public adjuster with a brick and mortar office, a true local adjuster. Reading online customer reviews can also be helpful.

Here are our Google Reviews

 Make sure that the company you choose has a team and is not a person acting as a company.  

Make sure that the company is local as they will be more familiar with the carrier adjusters, contractors, building codes, and mitigation companies.  Companies that are not local will have to travel several times to the loss location, they may even charge you for their expenses. 

Make sure that your public adjuster has an adjuster's license in the state of Nevada. 

We are, Public Adjuster, NV License #3843937

The insurance company is not certified in mitigation/restoration and the state of Nevada does not require the carrier's claims department to be licensed adjusters.  

How much does a public adjuster charge in Nevada?

Public adjusters typically charge a percentage of the claim settlement. In Nevada, this fee can vary depending on the complexity of the claim and the amount of work required to settle it. Generally, fees range from 12% to 20% of the total settlement amount. It’s important to discuss fees upfront with your fire public adjuster to understand what you will be charged once the claim is settled. Investing in a public adjuster can often lead to a significantly higher settlement, which can offset the cost of their fee.

Nevada does not have a fee cap, but we have seen companies charge 25%-33%.  Thier clients then called us to finish our competitor's unfinished business.  Most of those claims did not have any circumstance or reason to charge fees in excess of 20%.   We find that some public adjusting companies operating in Nevada charging high predatory fees.

A denied claim is a tough claim to get reversed and is the reason why you should get a public adjuster involved after the loss. 

These claims may warrant a 20% fee.