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 Mold Damage Claim Adjuster

#1 Public Adjuster in Wisconsin

REPRESENTATION & DEFENSE FOR HOMEOWNERS AND BUSINESSES

Fill Out the form below to Get a free review of your policy or claim!
find out what your insurer isn’t telling you

Name

Email

Phone

(###)

###

####

Address

City, State

Claim Type

Message

Get Expert Help With Your Wisconsin Mold Damage Insurance Claim

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.

Discovering mold is stressful. Fighting your insurer is worse.

Mold spreads quickly from common Wisconsin issues like ice dams, sump pump failures, burst pipes, or hidden roof leaks. While you see a threat to your property and health, your insurance carrier often sees an opportunity to limit their payout or deny your claim entirely. This is where we step in. Shoreline Public Adjusters works exclusively for YOU, the policyholder, leveling the playing field against the insurance companies.

Why Mold Claims in Wisconsin Get Complicated

Insurance companies have a playbook for minimizing mold payouts. Here's how they do it:

Blame You

They'll argue the mold is a "long-term issue" or a result of "poor maintenance" to void your coverage.

Use Policy Loopholes

They enforce confusing "mold limitation" clauses or exclusions hidden in your policy's fine print.

Ignore Hidden Damage

They pay for visible water damage but ignore hidden mold in your walls, attic, or crawlspace.

Lowball Repair Costs

They offer a settlement that won't cover professional, safe mold remediation and testing.

Our Proven Process to Maximize Your Mold Claim In Wisconsin

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

Step 1: Free Claim Review

We start with a complimentary review of your policy and the damage. We'll explain your rights and give you an honest assessment of your claim's potential.

Step 3: Expert Valuation & Negotiation

We prepare a detailed, line-by-line estimate for all repairs and aggressively negotiate on your behalf, managing all communications.

Step 2: Comprehensive Investigation

Using the necessary tools (e.g. moisture mapping and infrared cameras), we create an exhaustive evidence package with photos, videos, and detailed reports.

Step 4: Securing Your Maximum Settlement

Our goal is simple: to ensure you have the funds to properly and safely restore your property. We handle everything until the check is in your hand.

Real Wisconsin Mold Scenarios We Win

Ice Dam & Attic Mold in Green Bay

An insurer claimed attic mold was "wear and tear." We proved it stemmed directly from a recent ice dam—a covered peril—and secured a settlement for full remediation and roof repairs.

Hidden Black Mold in Milwaukee

An insurer only approved replacing carpet after a sump pump failure. Our investigation found extensive black mold behind the drywall, resulting in a settlement **five times** the initial offer.

HVAC Contamination in Madison

A slow A/C leak caused mold to circulate through the HVAC system. We fought for and won a claim that covered a full system replacement and professional air quality cleaning.

Frequently Asked Questions about Mold Claims in Wisconsin

It depends entirely on the source of the moisture. If the mold is a direct result of a "sudden and accidental" covered event (like a pipe bursting), it is often covered. We specialize in proving this link, even when the insurer tries to dispute it.
Absolutely not. Many of our greatest successes come from reopening claims that were wrongfully denied. Insurers often count on you giving up. Don't—call us instead.
No. Disturbing mold can spread spores and make the problem worse. More importantly, it can give your insurance company a reason to deny your claim by arguing you destroyed the evidence. Document everything with photos and call us immediately.
The insurance company's adjuster works for and is paid by the insurance company. Their job is to protect the company's financial interests. A public adjuster is licensed by the State of Wisconsin to work exclusively for the policyholder. Our duty is to protect your interests.
We work on a contingency fee basis, which is a small, agreed-upon percentage of the final settlement we recover for you. There are no upfront costs, and if we don't win you a settlement, you pay us nothing.

Stop Worrying and Start Recovering Today.

If you see or suspect mold, or if you're fighting a denied or underpaid claim, you don't have to face your insurance company alone. Shoreline Public Adjusters is your expert advocate.

Contact For Help Now

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

Proudly Serving Homeowners and Businesses Across Wisconsin

Waukesha

Eau Claire

Oshkosh

Madison

Milwaukee

Green Bay

Racine

Kenosha

Appleton

Wisconsin Public Adjuster - Local Insurance Claim Help

      width="100%" 
    height="100%" 
    style="position: absolute; top: 0; left: 0; border:0;" 
    allowfullscreen="" 
    loading="lazy" 
    referrerpolicy="no-referrer-when-downgrade">
  

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

HOA Claim

Commercial Claim

Residential Claim

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)