Understanding the Value and Cost of Public Adjusting Services

Brian Evans • July 25, 2025

Many property owners worry that if a public adjuster earns a percentage of the settlement, it may leave them short on funds to complete the repairs. That’s a valid question. Here’s the reality: while there is a cost for professional representation, our services often pay for themselves, many times over.

We save you time. A typical claim can require hundreds of hours of documentation, communication, and negotiation. We take that burden off your shoulders.
We uncover what’s often overlooked. With deep knowledge of policy language, building systems, and industry standards, we identify and quantify damages that frequently go unnoticed or undervalued by the carrier and general contractors.
We negotiate the fair market value of the loss, not your cost to repair. That distinction matters. Insurance settlements are based on the estimated cost of repairs at fair market value, not necessarily what you’ll pay your contractor. In many cases, you may complete the repairs for less than the amount paid, reducing or eliminating out-of-pocket costs, even after our fee.
We help protect you from costly mistakes. Insurance companies are for-profit businesses. Their claims processes are designed to control payouts, not to ensure you’re made whole. Without professional representation, even honest and proactive policyholders often leave significant money on the table.

Finally, it’s important to know enough to know what you don’t know. Insurance claims are complex, and unless it’s your profession, navigating them successfully is extremely difficult. We’re here to level the playing field, to ensure your settlement is fair, complete, and in compliance with your policy rights.

Our role isn’t to “maximize your loss”, it’s to make sure you’re fully compensated, with minimal hassle and minimal to no out-of-pocket expense, so you can get back to normal as quickly and confidently as possible.

For more information or if you have questions, call us today. The consultation is always free and the information you receive can be priceless. EasternPublic.com or 929.732.4524.

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Broad Evidence Rule Demystified: The Role of Weighted Factors in ACV

By Brian Evans • June 10, 2025

In property insurance claims, Actual Cash Value (ACV) is often calculated as replacement cost minus depreciation—but that doesn’t always reflect a property’s true value. Under the Broad Evidence Rule, adjusters and appraisers are encouraged to consider multiple factors, such as market value, functional condition, and income potential, to arrive at a fairer and more accurate valuation. This approach is especially useful for properties with unique characteristics or market conditions that don’t fit neatly into a standard formula. By weighting different valuation inputs, professionals can better capture the real economic loss—leading to more balanced, defensible outcomes for both insurers and policyholders.

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