Fire Damage
Smoke, fire, and soot damage claims handled start to finish.
Public Adjusting
Public Adjusting Services
We fight for the settlement you deserve.
"The insurance company has an adjuster. Shouldn't you?"
Your Advocate
What Does a Public Adjuster Do?
When you file an insurance claim, the insurance company sends their adjuster to assess your damage — but that adjuster works for the insurance company, not you. Their goal is to bridge the gap between you and corporate, but they won't fight for more money on your behalf.
Insurance companies may offer only 40–50% of actual value, hoping you won't take the hundreds of hours needed to document everything properly. A public adjuster works exclusively for YOU — we use cutting-edge software to get maximum replacement value, backed by a team of lawyers when needed.
Important: J.E. Ward handles contents adjusting only — we do not handle structural reconstruction adjusting.
Get a Free ConsultationWe Handle It All
Claim Types We Handle
Water Damage
Flooding, burst pipes, and water intrusion claims.
Storm Damage
Wind, tornado, and severe weather claims.
Hail Damage
Roof, siding, and property hail damage claims.
Wind Damage
Structural and exterior wind damage claims.
Mold Damage
Mold remediation and related insurance claims.
Smoke Damage
Smoke residue, odor, and soot damage to contents and belongings.
Vandalism
Property contents damaged by vandalism or break-ins.
All claims are for contents only — we do not handle structural reconstruction adjusting.
Our Process
How We Work Your Claim
1
Property Visit
We visit to give a proper estimate and review your insurance policy wording.
2
Fast Removal
We start removal ASAP so renovations can begin and you can get home sooner.
3
Documentation & Assessment
Photos taken in a staging area, every item assessed with cutting-edge software for maximum value.
4
Submission & Payout
Most jobs completed in 2–3 weeks. Insurance review takes 1–3 months. Everything overseen by our legal team.
We Get Results
63%
Average increase in settlement
Don't leave money on the table. Most clients receive up to a 63% increase in their original insurance offer.
Good To Know
Frequently Asked Questions
We charge a 10% flat rate of the contents' replacement value. There's no upfront cost — our fee comes from the increased settlement we fight for.
The earlier you call, the better. Fast removal prevents further hazards and gets renovations started sooner. We can also step in on claims already in progress.
No. Our documentation process is faster and more thorough than doing it yourself, and everything is overseen by our legal team. We keep your claim moving.
A denial isn't the end. We review your denial, policy, and documentation. We have a team of lawyers who help get maximum value even on previously denied claims.
Fire, water, storm, hail, wind, mold, smoke, and vandalism — for contents only. We do not handle structural reconstruction adjusting. If you're unsure, give us a call.
The biggest mistakes are underestimating the time needed for documentation, not understanding the difference between replacement cost and actual cost value, and overlooking how depreciation and appreciation of antiques affect your claim.
No Cost To Start
File a Claim With Us
Thank you!
We'll reach out within 24 hours to schedule your free consultation.