Spartan Claim Resources Las Vegas / Henderson public insurance adjusters for fire & water claims

COVER HEADER

We are licensed adjusters in Nevada.

Cover Subline

Call us before you file a claim with your insurance company. Remember what you do and say will be used against you by your insurance company.

Let us advocate for you

Call our office at

702-661-4270

702-203-2815

Spartan Claim Resources on the news.

Spartan Claim Resources is the pre-legal solution to insurance claim handling.

This Clark Howard Fox news clip is from 7 years ago but couldn't be truer today.

The sad truth is that if your carrier is not fighting you then they are most likely underpaying your claim. Some companies will fight you every time. Insurance claims are not fast and if they are paying quickly, they are trying to shut down your claim.

Clark has another video where he says that insurance companies are only paying 65 cents on the dollar to settle claims. I agree that they are underpaying claims but 65% is unlikely if you are not getting professional assistance.

Kitchen fire claim.

Garage fire claim.

Electrical fire loss.

Neil inspecting warehouse fire loss.

Team in gear to inspect fire loss.

Kirby inspecting a fire loss.

Hunter inspecting a fire loss.

Kirby locating fire damage to the roof.

Kirby overlooking the city.

Penthouse water loss.

What is a public insurance adjuster?

When you file a claim, your homeowners insurance company will assign a claims adjuster to you. The adjuster’s job is to evaluate your property damage and determine a payout amount based on the levels of coverage you carry on your policy.

Rather than using the insurance company’s adjuster, policyholders choose to hire a public adjuster instead. A public adjuster will assess the damage to your property, help determine the scope of repairs and estimate the replacement value for those repairs. The big difference is that instead of working on behalf of the insurance company like an insurance claims adjuster does, a public claims adjuster works for you.

See our video series about Advocating for Nevada

After your homeowners insurance company issues the settlement, the adjuster receives a percentage of the payout amount as payment for their services. It is important to note that insurers do not consider the payment amount owed to the adjuster when determining the claims payout amount. This payment would come from the homeowner who hired the adjuster instead.

Did you know that

Public Adjusters get 747%

higher settlements (on average) for

policyholders than they get

on their own?

We're experienced public adjusters that specialize in representing homeowners like you!

MAXIMIZE YOUR

INSURANCE CLAIM

Get Represented

It’s worth noting that you can also hire a public adjuster for an auto insurance claim. While public adjusters are more commonly associated with property damage claims, we also handle car insurance claims. We can assess the damages and prepare total loss valuation reports to maximize the settlement for the policyholder.

When should you hire a public adjuster?

A public adjuster will handle your claim and communicate with your insurance company on your behalf. Some people feel that the extra expense of hiring a public adjuster is worth it, if only for the peace of mind that they won’t have to handle the claims process themselves. Additionally, the public adjuster will look closely at your claim and help ensure that no damage is overlooked. Depending on what they find, you will usually get a larger insurance settlement to repair the identified damage.

A public adjuster might be right for you if:

Your claim is large or damage is severe
If you find working with insurance companies to be stressful
If you’ve had a poor claims experience in the past
You are too busy to correspond with your insurance company
If you feel that claim settlement is too low

How do you find the right public

insurance adjuster?

Finding a public insurance adjuster is relatively easy.

One way to find a public insurance adjuster is to get a recommendation from friends or family members. Ideally, you want to hire someone reputable and effective. Reading online customer reviews can also be helpful.

Here are our Google Reviews

Make sure that the business is licensed in Nevada.

Make sure that the company you choose has a team and is not a person acting as a company.

Make sure that the company is local as they will be more familiar with the carrier adjusters, contractors, building codes, and mitigation companies. Companies that are not local will have to travel several times to the loss location, they may even charge you for their expenses.

Make sure that your public adjuster has an adjuster's license in the state of Nevada.

We are, Public Adjuster, NV License #3843937

Does the public adjuster have the proper knowledge and training to handle your claim.

ABOUT US

The public adjuster should also be a member of a regional or national association.

The public adjuster should have certifications in mitigation/restoration.

We are IICRC certified and have the knowledge and experience to assist your claim against the insurance carrier.

We do, IICRC Certification #70041568

The insurance company is not certified in mitigation/restoration and the state of Nevada does not require the carrier's claims department to be licensed adjusters.

Do you have a loss to your personal property, is the public adjuster trained to inspect and prepare an inventory list.

What does the public adjuster charge? We charge 12% on most claims but will charge as much as 20% on claims with more complex handling or were denied.

Some local companies charge as much as 25-33% which we feel is predatory but unfortunately is not against the law.

We have many customers who originally started with other public adjusters who did not work on their claims, charged extremely high fees, and disappeared. If you are a victim of these companies, you should contact the Nevada Department of Insurance. We have assisted many clients with getting their claims back on track.

What is the difference between a company adjuster and an independent adjuster?

Normally, when you file a claim with your home or car insurance company, it will assign one of its own adjusters to investigate your claim, come to a decision and determine a payout amount if the claim is approved. An independent adjuster does not directly work for an insurance company—understand that they are a vendor hired by the insurance carrier and they do not work for you. The independent adjuster submits their documents to the insurance carrier to determine your settlement.

Do not confuse the carrier claim handler/claim representative/claim adjuster with the term independent adjuster (IA) but understand that they settle in favor of the carrier. We are public adjusters (PA) who are hired by you and work on your behalf.

We service the Clark County and Nye County areas.

There are many companies posing as local public adjusters, but they are from out of the state. They may do work in Nevada, but they are not in Nevada.

The reason you should use a local public adjuster as we are familiar with the claims in this area. We know of the local claim adjusters, contractors, mitigation companies, municipalities, and vendors. Out of state adjusters will have to cover the additional expenses to handle your claims. Not every company has actual local staffing. Most claims will need your adjuster to meet with the insurance carrier, contractors, and vendors...several times even. How are they going to cover those travel costs. We charge a fair fee for this area, not all of the competition can say the same. Contact us to further discuss your claim.

Here is how you can tell that your adjuster is not in Nevada: