Special Report: Public Adjusters

It’s a homeowner's worst nightmare. Water rushing through a pipe. Pipes bursting covering walls and floors with water

Lucy Morris, Homeowner
"Two rooms were basically destroyed, the ceilings, the walls."

Lucy Morris recalls all too well what happened in her Natick home

Lucy Morris, Homeowner
"A pipe burst between the dining room and the porch room and it destroyed about a quarter of the house."

When it came time to file a claim with her homeowners insurance -- Lucy called for back up.

Lucy Morris, Homeowner
"I didn't really know what the process was going to be like."

Howard Shore, Public Adjuster
"Our job is to get the most out of the insurance company."

Howard Shore is a licensed public adjuster

Howard Shore, Public Adjuster
"We are the advocate for the policy holder, we are on their side to make sure they are able to take advantage of everything available to them under the policy."

Not many people know about public adjusters, as they don’t often advertise their services. For Lucy, finding out about Howard through a friend got her all the funds she needed to rebuild.

Howard Shore, Public Adjuster
"The initial offer was around $15,000 after all was said and done and contractors had come in and negotiations had taken place the ultimate claim was between $40,000 and $50,000.

Howard’s work is not for free though, public adjusters do charge a percentage of the total claim. Lucy says its well worth it

Lucy Morris, Homeowner
"It really would have been overwhelming if I hadn’t had somebody to help me understand what to do."

Not only do public adjusters help you get the most out of your policies, but they also help you through the complicated paper work.

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