What is a Public Adjuster?

A Public Adjuster is someone who helps you with your insurance claim after something like a fire, storm, or water damage happens. They work for you—not the insurance company—to make sure you get the money you deserve to fix the damage.

What’s the difference between a Public Adjuster, Company Adjuster, and Independent Adjuster?

A Public Adjuster works for you and helps you with your claim. A Company Adjuster works for your insurance company and looks out for their interests. An Independent Adjuster is hired by the insurance company but isn’t one of their employees. They still work for the insurance company, not for you.

What should I give my Public Adjuster to help with my claim?

To make things go smoothly, give your Public Adjuster: a full copy of your insurance policy (or at least the Declarations Page), receipts or bills for any repairs you’ve done, and photos or videos showing the damage.

How can a Public Adjuster help me?

Insurance claims can be confusing. A Public Adjuster knows what to do—from filling out paperwork and meeting deadlines to talking with your insurance company. They take care of everything so you don’t have to stress. Most of the time, they also help you get more money than you would on your own.

How much does it cost to hire a Public Adjuster?

Most Public Adjusters don’t charge upfront. Instead, they get paid a percentage of the money they recover for you. For example, in Florida, the fee is usually up to 20%, but only 10% if it’s after a big storm. In Texas, the fee is usually 10%. This setup makes sure they work hard to get you the most money, as quickly as possible.

What’s the difference between hiring a Public Adjuster and an Attorney?

Public Adjusters help right from the start: documenting the damage, making estimates, and talking with your insurance company. If they can’t get the job done, then you might need to hire an Attorney. Public Adjusters usually finish claims in 1 to 4 months. If you bring in an Attorney, it could take a year or longer.

Can a roofer or contractor help me the same way a Public Adjuster can?

No. Roofers and contractors can help fix your home and give estimates, but they can’t talk to your insurance company about your coverage or argue for more money. Only Public Adjusters and Attorneys are allowed to do that. A Public Adjuster can handle your whole claim, start to finish.

How long does a claim take with a Public Adjuster?

Most claims handled by a Public Adjuster are finished in 1 to 4 months. Insurance companies have up to 90 days to look into the claim. The Public Adjuster keeps things moving and pushes to get it done fast. If it takes longer, you might need an Attorney to step in.

What’s the difference between doing a claim myself and hiring a Public Adjuster?

You can do the claim on your own, but it’s hard if you don’t know all the rules and steps. Public Adjusters are trained pros who know how to get the most money. People who hire them often get 50% to 500% more than those who go it alone.

Where do I find my policy or claim number?

You can find it on the Declarations Page, which is usually the first page of your insurance policy. It also has your coverage details, deductible, and contact info for your insurance agent. If you don’t have it, call your Insurance Agent or Company to get a copy.

Wisconsin Fire Adjuster - Expert Claim Help

#1 Public Adjuster in Wisconsin

REPRESENTATION & DEFENSE FOR HOMEOWNERS AND BUSINESSES

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Find Out What Your Insurer Isn’t Telling You!

#1 Wisconsin Fire Adjuster - Shoreline Public Adjusters

A fire can destroy your home in minutes. The insurance battle that follows can last for months. We fight for you, so you can focus on rebuilding your life.

Don't Let Your Insurer Deny or Underpay. Our Licensed Wisconsin Public Adjusters Fight for the Maximum Settlement You Rightfully Deserve.

No Recovery, No Fee. It's That Simple.

A fire is more than just flames. It's a four-front war.

After the firefighters leave, you're left facing a complex disaster. There's the obvious fire damage, the water damage from firefighting efforts, the pervasive smoke damage that contaminates everything, and the corrosive soot damage that lingers. Your insurance company knows this complexity and uses it to their advantage. We fight back on all four fronts. Shoreline Public Adjusters is your advocate, ensuring no detail is missed and every dollar you're owed is recovered.

Why Fire & Smoke Claims Are Systematically Underpaid

Insurers use specific tactics to minimize fire claim payouts. Here's what to watch for:

Undervaluing Smoke Damage

They'll offer a "surface clean" for smoke and soot, ignoring how it penetrates HVAC systems, electronics, and porous materials, causing long-term odor and corrosion.

Disputing Living Expenses (ALE)

They'll rush you to find new housing or challenge your Additional Living Expenses (ALE), putting immense financial pressure on your displaced family.

Lowballing Personal Property

They'll apply excessive depreciation to your lost belongings, offering you pennies on the dollar for what it actually costs to replace them.

Ignoring Structural Integrity

They may pay to replace burnt wood but ignore how extreme heat can compromise the integrity of your home's foundation and structural supports.

Our Fire Claim Process: From Disaster to Recovery in Wisconsin

We build an undeniable case that forces your insurer to pay what you're rightfully owed.

Step 1: Immediate Response & Policy Review

We meet you on-site, secure the property, and perform a deep analysis of your policy to establish coverage for structure, contents, and ALE.

Step 3: Complete Rebuild Estimate

We develop a detailed estimate for a full restoration, including specialized smoke remediation, structural repairs, and code-compliant reconstruction costs.

Step 2: Total Loss Documentation

We create a comprehensive, room-by-room inventory of all damaged property and use thermal imaging and air quality tests to document the full extent of fire, smoke, and soot damage.

Step 4: Aggressive Negotiation & Settlement

We present our ironclad case to the insurer and negotiate relentlessly to secure the maximum possible settlement for your property, contents, and living expenses.

Real Wisconsin Fire Claim Scenarios We Handle

Milwaukee Kitchen Fire

A simple grease fire led to smoke and soot damage throughout an entire home. The insurer offered a simple cleaning. We proved the need for full HVAC replacement and deep remediation, tripling the settlement.

Appleton Furnace Malfunction

A winter furnace fire caused major damage. The insurer denied part of the claim, blaming faulty maintenance. We brought in engineers to prove the failure was accidental, securing a full payout plus ALE for the family.

Madison Electrical Fire

After an electrical fire, the insurance company's lowball offer wouldn't cover bringing the home up to current building codes. We fought and won full coverage for all necessary code upgrades during the rebuild.

Frequently Asked Questions about Fire Claims in Wisconsin

Yes. Smoke and soot are considered resulting damages from a fire and are typically covered. The biggest fight is proving the extent of the damage. We specialize in documenting how smoke penetrates walls, ducts, and belongings to ensure you're paid for proper cleaning and replacement, not just a surface wipe-down.
ALE covers the costs you incur while displaced from your home, such as rent for a temporary residence, moving costs, and even increased food expenses. Insurers often try to limit these payments. We manage your ALE claim to ensure you have the resources you need until your home is fully restored.
You are not required to use their preferred contractor. Those contractors often have a relationship with the insurer that may prioritize the insurer's budget over your complete recovery. As your advocate, we help you vet and choose a qualified, independent contractor who works for you.
This is one of the most difficult parts of a claim. We guide you through creating a detailed inventory of every item lost. We then use professional software and databases to determine the accurate Replacement Cost Value (RCV) for your items, fighting back against the unfair depreciation methods insurers often use.

You've Been Through Enough. Let Us Handle the Fight.

Don't face the insurance company alone. Let our expertise in Wisconsin fire claims secure the resources you need to rebuild your home and your life.

Contact For Help Now

We are a licensed Wisconsin Public Adjusting Firm (License #21156868)

Proudly Serving Homeowners and Businesses Across Wisconsin

Oshkosh

Wisconsin Public Adjuster - Local Insurance Claim Help

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We Service All Types of HOA, Commercial & Residential Insurance Claims in Wisconsin

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Higher Claim Settlements: Policyholders who use a public adjuster for their insurance claims receive, on average, 747% higher settlements compared to those who don't.

Florida Association of Public Insurance Adjusters (FAPIA)

Increased Claim Payouts: Public adjusters help policyholders recover 574% more on claims related to hurricane damage than when the insurance company adjuster is used alone.

Office of Program Policy Analysis and Government Accountability (OPPAGA) Report, Florida

Claim Approval Likelihood: Public adjusters significantly increase the likelihood of claim approval, particularly in complex cases such as fire, water damage, and storm claims.

National Association of Public Insurance Adjusters (NAPIA)

Time Efficiency: Public adjusters help expedite the claim process, reducing the time from filing to settlement by 30% on average.

Insurance Information Institute (III)