What is a Public Insurance Adjuster?
What is a Public Insurance Adjuster?
What if I just file my insurance claim myself?
Do I need a Public Insurance Adjuster?
As your Public Insurance Adjuster, we represent only YOU, the policyholder, NOT the insurance company regarding your insurance claim.
Do I need a Public Insurance Adjuster?
What if I just file my insurance claim myself?
Do I need a Public Insurance Adjuster?
The Short Answer is Yes.
Since we only represent you, the policyholder, on your insurance claim, we use our 35+ years of experience to ensure that you receive the insurance settlement that you are entitled to.
What if I just file my insurance claim myself?
What if I just file my insurance claim myself?
What if I just file my insurance claim myself?
You can certainly do it yourself, but it would be worth your time to find out more.
Every insurance company is different and the insurance claims process can be tedious, time-consuming, exhausting, and frustrating.
What does a public adjuster do?
What does a public adjuster do?
What if I just file my insurance claim myself?
We Prepare, File, and Settle
Your Home or Commercial Business Insurance Claim.
How Do I Get Started?
What does a public adjuster do?
How much does it cost?
When you contact us we initiate our no cost and no obligation 3 step process.
How much does it cost?
What does a public adjuster do?
How much does it cost?
There is no obligation or initial fee. We do not get paid until we settle your insurance claim. If there is no settlement, there is no fee.
The Role Insurance Company Adjuster Representative
First, It is always advisable and in your best interests to hire a Public Adjuster and here's why:
Whether you are a homeowner or a commercial business owner, the fact is that filing an insurance claim can be a lengthy and complicated process.
The Insurance claims process involves a lot of paperwork, legwork, knowledge of insurance jargon, and significant negotiation. It also takes time to list, describe, and value everything that has been destroyed or damaged by your insured loss event.
You will also need to make time to meet with adjusters (sometime's more than once), you also may need to meet inspectors, and you may need to meet with contractors.
Reviewing insurance claim estimates and insurance claim reports is also very time consuming, It requires strict attention to detail, and it can be extremely time consuming as well as labor-intensive.
Negotiating an insurance claim settlement that maximizes what you are entitled to per your insurance claim can be very challenging - especially after an emotional and devastating catastrophe or insured damage.
The insurance company will send an insurance adjuster to your home or commercial business for your insurance claim.
However, they are there to represent only the insurance company and not you, the policyholder. They may even be sent to see if there is a reason to deny your insurance claim.
To be clear, The insurance claim adjuster that is sent by the insurance company is there to serve the insurance company's best interest - Not you, the insurance policyholder.
Since 1985 we have proven to be very effective in securing our clients with the additional funds they are entitled to per their insurance policy.
Call 1 (800) 446-4496 for immediate assistance. 24/7 365 days a year
The Public Insurance Adjuster Process - How we help:
Protecting the policy holder since 1985
We have over 35 years of insurance claims experience helping ONLY the homeowner and the commercial business owner navigate their homeowner's insurance and commercial insurance policy. When you suffer damage to your property or business - we are here to help. If you have insurance claims related to:
- Water Leak Damage
- Plumbing Leak Damage
- Roof Leak Damage
- Fire Damage
- Smoke Damage
- Hurricane Damage
- Storm Damage
- General Water Damage
- Home or Business Theft
- Business Loss & Commercial Loss
- Business Interruption
WE CAN HELP YOU WITH YOUR INSURANCE CLAIM. There is no initial cost or obligation
We help to ensure you get the insurance settlement you are entitled to.
As your INSURANCE CLAIM advocate, we specialize in helping you, THE POLICYHOLDER. We help you navigate the insurance claims process. If you have had Water Leaks, Plumbing Leaks, Roof Leaks, Water Damage, Fire Damage, Hurricane Damage and Storm Damage. Homeowners face risk and need help when dealing with their insurance companies. With over 35 years of insurance claims experience, our professional team of public insurance adjusters will help you get better results. We help to ensure you get the insurance settlement you are ENTITLED to as provided by your insurance claim and insurance policy.
Free - no obligation - 3 Step Process:
1. Insurance Policy Review
2. Insurance Claim Review
3. Site inspection of Insurance Claim damage
Proven Results
Our Experienced Public Insurance Adjusters have helped Businesses & Residents in the state of Florida, South Carolina and the U.S. Virgin Islands with insurance claims since 1985. We assist with Hurricane Damage Insurance Claims, Water damage insurance claims, Storm Damage Insurance Claims, Fire Damage Insurance Claims, Theft loss Insurance claims or Storm Damage Insurance Claims,
Since 1985 we have helped thousands of clients RECEIVE THE MAXIMUM INSURANCE CLAIM SETTLEMENT THAT THEY WERE ENTITLED TO!
About Lightman + Fields Public Insurance Adjusters Inc.
Our HISTORY
Since 1985, Harold Lightman and Alfred Fields have been representing the policyholder in commercial business & personal property damage insurance claims. Lightman & Fields has been diligently working for the rights of the insured and has helped to ensure that the Insurance claim claimants receive equitable and fair compensation for their losses.
Expert and Comprehensive Representation
With over 35 years of experience, Lightman & Fields has the unique advantage of understanding the complicated and often tedious process of filing an insurance claim from both the insurance company perspective and the insured policyholder perspective.
It is an advantage that gives Lightman + Fields the edge, especially in the cases of natural disasters and extreme catastrophic loss. Commercial Businesses and homeowners can easily be slighted out of receiving fair compensation they are entirely to by their insurance claim against the big insurance companies.
Experience with Passion & Expertise
We treat every claim as if it were our own home or business. That is what our clients deserve. Lightman & Fields has an extensive and long record of experience handling claims on the largestst scale.
In 2004, Lightman + Fields Public Insurance Adjusters INC handled hundreds of clams for the major hurricanes Frances and Jeanne,. In 2005, our experience provided unparralelled assistance for the victims ofmajor hurricanes Wilma, Isaac and Katrina.
At Lightman & Fields, we have handled thousands of claims totaling over $100MM. The claims have ranged across the board. Smaller homeowner's insurance residential claims and multi-unit homeowner and condominum associations. In addition, we have supported small light commercial businesses and major manufacturing companies.
At Lightman + Fields, we have experienced it all, we have handled it all, and we have the exact expertise necessary to assist you, the policyholder. to do the same for your insurance claim.
Despite the recent changes that have occurred with insurance laws - one thing remains the same at Lightman & Fields:
We are passionate about our policyholders.
We treat your claim as it if it is our own.
The insurance claim and insurance policy advice that we provide helps to ensure that you receive your fair, equitable, and rightful insurance settlement.
Do I really need a public insurance adjuster to help with my insurance claim for damage to my home or business?
The Short answer is Yes. Whether you’re a homeowner or a business owner, the fact is that filing an insurance claim and seeing the process through to the end can be extremely frustrating. You can certainly do it yourself, but take the time to find out more - In the majority of situations we have proven to be effective in securing our clients with the additional funds that they are rightfully entitled to.