Joe reviewed my policy and pointed out an endorsement that provided full replacement value of my home. The insurance company immediately increased their offer from $195,000 to rebuild to $258,000. Joe made me $63,000 without having a contract with him or paying him any fee.
My home burned down in North Carolina while I was in Florida for the winter. A burglary/arson was suspected. After I was cleared, the insurance company made a low ball appraisal and offered me $195,000 on a $266,000 coverage. They were steadfast on their offer until I talked with Joe at For The Public Adjusters, Inc. who listened and discussed the case at length without ever mentioning I had to sign a contract. I was ready to sign a contract but asked Joe if he would look over my policy before we actually proceeded. He was more than willing and shortly later emailed me a copy of an endorsement in my policy stating the insurance company would pay actual cost of a replacement house. I used this information to contact the insurance company asking them about this and within two hours had a new offer of $258,000, just short of the $266,000 coverage. At this point Joe informed me it would not be economically feasible to perform the complete appraisal process on my claim since I was already getting the $258,000. Joe, however, is going to be my consultant for an hourly rate to make sure everything goes well.
I first looked at a large national company who were too willing to sign me up. I did a little research and found out For The Public Adjusters, Inc were a small local company in North Carolina with good reviews. I was impressed with Joe's candor, knowledge, and information he freely gave me, all without a penny of compensation. I might be wrong, but I was a probation and parole officer in my past and I think these folks are straight as an arrow.