Public Adjuster Reviews & Testimonials
Claim Payments Are 747% Higher Using a Public Adjuster. According to the Florida Legislature’s Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who hired public adjusters for hurricane-related claims received 747% more money than those who did not — $17,187 per claim versus $2,029.
“The work of public adjusting is defined by the noble work of helping someone navigate a path they have no way of navigating themselves.” — Jeff Atwater, former Florida Chief Financial Officer
Proven Claim Increases
When the insurance company’s first offer is too low, we challenge it. Below are real claim increases: the first offer next to the final result.
+2,443% in claim increases. First offers totaled $26,062.05. Final results totaled $662,867.21.
Scot: +4,415%. First offer: $6,079.06. Final result: $274,450.46.
Mike: +4,582%. First offer: $2,773.00. Final result: $129,829.52.
Debra: +1,403%. First offer: $17,209.99. Final result: $258,587.23.
Commercial: +157%. A commercial client’s multiple-six-figure claim, increased 157%.
Condo Association — Naples, Florida
Hurricane Irma, September 2017
A 14-building condominium association in Naples, Florida. When Hurricane Irma struck in September 2017, every building sustained damage, primarily to the roofs.
The association’s board filed the claim on its own. The carrier answered with delay tactics, shuffled the claim between several different adjusters, and months later had made little progress. Its initial offer covered only minor repairs — repairs the local building department would not even permit.
The board brought us in for an independent review. We inspected every building alongside the carrier’s representatives, demonstrated that matching replacement tiles were no longer available for repairs, and performed generally accepted engineering tests that proved far more damage than first reported. Between the direct loss, the consequential loss, and the application of local building codes, the roofs were paid for complete replacement.
The settlement is confidential, so the exact figure cannot be published. It was millions of dollars higher than the carrier initially reserved for this loss.
“I’ve worked with Nathan Sheppard, the Policyholder Advocacy Group since 2009. In that time we’ve served hundreds of clients together — homeowners and commercial property owners — and their work has driven millions of dollars in revenue for my roofing business.
Nathan takes insurance claims that were denied or grossly underpaid, particularly after hurricanes, and turns them into full roof replacements. I’ve watched him take cases where insurers claimed damage was pre-existing or offered pennies, and secure the funding for proper repairs on everything from single-family homes to large commercial buildings.
He reviews the policy, gathers the evidence, and fights for every dollar.
— Dave Peck, Owner, D Peck Roofing
Sam K. — Hurricane Ian Appraisal
“My insurance company offered me a fraction of what my Hurricane Ian damage was worth. Nathan took my claim to appraisal and the final settlement came in at over 300% of their initial offer. I couldn’t have done this without him.”
— Sam K., Hurricane Ian Claim
Facebook Reviews
19 July at 23:58
Nathan Sheppard is truly a miracle worker! The insurance company was only going to pay a small portion of my repair claim. Needless to say, my insurance binder was a very lengthy document with insurance jargon and terminology that I never could have understood or would have thought to question. Nathan analyzed my policy and combined with his thorough knowledge of the industry was able to obtain the FULL repair costs at today's replacement value! Something I could have never accomplished on my own. Great job Nathan!
15 December 2016
Nate is a great honest guy looking out for the best of me, if you want great service these are the people you want to deal with!
15 August 2016
Life was raining down on me in a big way in June and July 2016. To top it off I found a leak that was under the slab foundation of my home. I noticed the leak through high water bills essentially catching the problem earlier rather than later. However, my insurance company denied my claim and refused to help me fix the problem. I was completely overwhelmed and was considering just letting my home of 20 years go. While working at my house a plumber referred me to PAG and Nathan came out within hours of receiving my call. Nathan reviewed my policy and explained exactly what I was entitled to based on the limits of my policy. He guided me in exactly how to proceed in proving there was a covered loss. Step by step Nathan provided quick and effective assistance, and took additional time to make sure I understood everything. he explained my policy to me in depth pointing out areas of concern with the policy. He provided assistance and recommendations on Insurance coverage and policies. I really appreciate the fact that Nathan took time to educate me on the options available to me as a consumer. His advice will serve me for years to come.
And finally due to the ridiculously low water damage coverage Nathan gave me a huge (ENORMOUS) break on his normal charges so that I would have enough money to actually repair the damage. WELL WORTH THE CALL!
11 July 2016
I got fantastic help and over $10,000 from a roof claim that I otherwise wrote off as never going to happen. Please give them a call with any water damage before you have it repaired. You may be surprised to what you're entitled to like I was.
12 May 2016
