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Don't Settle For Less!

When You Have an Insurance Claim, Who's Fighting For You?

Your insurance company will send an Employee/Adjuster to your house to handle your claim. This is the insurance company’s adjuster. The goal of the insurance company’s adjuster is to protect the company’s bottom line: he or she is a salaried employee or independent contractor of the insurance company.

A Public Adjuster or Private Adjuster works differently. Public adjusters represent you, the policyholder. They represent your bottom line. They are not hired by the insurance company. Most people don’t even realize that Public Insurance Adjusters exist. When they do, people often wonder: “should I hire a Public Adjuster?”

Insurance policy language is quite confusing for the average home or business owner. With large insurance claims, the claim process is usually even more complicated, with more paperwork and typically more push back from the insurance company. A Public Insurance Adjuster is a state licensed insurance claim professional that can decipher policy language and affirm that you are receiving everything owed to you under the terms of your insurance policy when you have experienced a loss and are filing a claim.

Each insurance claim can be quite complicated, but the benefits of hiring a Public Insurance Adjuster are simple. By hiring a public adjuster, you can take a load off your shoulders immediately and get professional assistance with a complicated process in a time of need. A good Public Adjuster saves you time and stress. And, most importantly, a good Public Adjuster helps you obtain more money for the insurance claim in order to make the necessary repairs and recover.

Maximum Value for your Claim

According to a recent study, Public Adjusters often negotiate up to 74% larger insurance settlements for insurance claims on property damage or even less than the company is originally planning to give to the policyholder. 

Free Consultations With Zero Obligations!

Champion Claims — Frequently Asked Questions

At Champion Claims, we understand that navigating the insurance claims process can be overwhelming. Our team of licensed public adjusters is here to provide clarity and support, ensuring you receive the compensation you deserve. Below are some frequently asked questions to help you understand how we can assist you.

What does a public adjuster do for homeowners?

A public adjuster is a licensed insurance claims professional who represents the policyholder, not the insurance company. Champion Claims helps homeowners document property damage, review insurance coverage, prepare repair estimates, and negotiate property insurance settlements. Our goal is to help homeowners receive the full settlement they are entitled to under their insurance policy.

Can a public adjuster help if my insurance company underpaid my claim?

Yes. If you believe your insurance company underestimated the damage or repair costs, Champion Claims can review your claim, compare the insurance company's estimate with the actual scope of damage, identify potentially overlooked items, and pursue additional payment when supported by your policy and documentation.

Can Champion Claims help with a denied insurance claim?

Yes. A denied claim does not always mean the insurance company's decision is correct. Champion Claims can review the denial letter, policy language, photographs, and supporting documentation to determine whether there are grounds to challenge the decision or request reconsideration. Coverage depends on the specific policy and circumstances of the loss.

What should I do immediately after discovering water damage in my home?

First, address any immediate safety concerns and stop the water source if it is safe to do so. Photograph the damage, protect your property from further loss, and keep records of emergency repairs and mitigation expenses. Before permanently removing damaged materials, document their condition whenever possible. Champion Claims can help homeowners navigate the insurance claim process after burst pipes, plumbing leaks, and other covered water damage events.

Why should I hire Champion Claims instead of handling my insurance claim myself?

Insurance claims can involve detailed estimates, policy provisions, inspections, documentation requirements, and negotiations. Champion Claims represents homeowners throughout the claims process, helping identify covered damage and challenge unsupported settlement amounts. Our goal is to protect your interests and pursue a fair settlement based on your policy and documented losses.

Our lives can change in a second and that's what happened to us when our home was destroyed by a fire in the middle of the night. A friend of mine recommended I get in contact with CHAMPION CLAIMS to help. They came right away and assured us we would be okay. They couldn't have been more right. They made a terrible and tragic situation less stressful. They were with us every step of the way. They  were attentive and always available to answer any questions and informed us every step of the way. They were there with us side by side until we got back into our beautiful new home. They got us a very substantial settlement in a very short time. Thank you from the bottom of our hearts.

Michelle B.

My insurance company offered me $12,000 for my damages from a pipe burst. I realized it was a low offer when I was getting estimates from contractors between $45,000 and $50,000. After going back and forth with my insurance company for months with no success I decided to go to my Lawyer. My Lawyer referred CHAMPION CLAIMS to me and after speaking to them I decided to retain him. It was a great decision as he was able to get me a final settlement of $52,000. Great job CHAMPION. You're the best!

Edward W.

CHAMPION CLAIMS professionalism, integrity, technical expertise, customer service, and compassion are beyond reproach. CHAMPION turned a horrible night mare into a livable situation that I will be eternally grateful for. At one point after my flood a friend referred me to an attorney specializing in battling insurance claims. When I told him that CHAMPION was handling my claim he assured me I was in great hands. CHAMPION was able to prove beyond a shadow of a doubt that hidden water damage existed behind the walls and into the subfloor. CHAMPION was able to get over 3 times more than what the insurance company initially offered as “Final” payment. The process took 6 months but only due to the Insurance company’s lack of cooperation and stall tactics but it was well worth it.

Kimberly & Joseph