No Upfront Costs, No Risk Licensed Public Adjusters in VA, NC, SC, GA, TN, MD, PA & MI
Your insurance company sent their adjuster. We're here to make sure you get what you're owed.
No fees unless we settle your claim.
Insurance Companies Settle for Less. You Don't Have To.
Their Adjuster Works for Them
When you file a claim, your insurer sends their own adjuster. That adjuster's job is to save the insurance company money. Not to make sure you get a fair payout.
Damage Gets Missed
Insurance adjusters move fast. They document what's obvious and skip what isn't. Water behind drywall, structural cracks under flooring, smoke damage in the attic. If it's not documented, it's not covered.
Low Offers Are the Default
The first offer is almost never the fair offer. Insurance companies count on policyholders accepting it because they don't know what their policy actually covers.
How It Works
Three steps between you and a fair settlement.
Contact Us
Tell us what happened. We'll ask a few questions about your property, your damage, and your policy. No cost. No obligation.
We Inspect and Document
After you sign our representation agreement, we visit your property and document every detail the insurance company's adjuster missed. Every crack, every stain, every dollar of damage.
We Negotiate Your Settlement
We present a thorough claim to your insurer and negotiate until the settlement reflects your actual loss. We don't stop at the first offer.
You pay nothing unless we settle your claim.
The Difference an Advocate Makes
Policyholders who hire a public adjuster walk away with dramatically higher settlements. The numbers tell the story.
* Industry statistic from OPPAGA (Office of Program Policy Analysis and Government Accountability). Results vary. Settlements depend on policy limits, damage scope, and carrier. Past results do not guarantee a similar outcome.
Results That Speak for Themselves
Every claim below started with an insurance company offer that didn't come close. Here's what happened when we got involved.
Proud Member Of
Claims We Handle
Fire, water, wind, hail, or storm loss. If your insurance company owes you money, we hold them accountable.
Fire Damage
Structural damage, smoke, soot, and water damage from firefighting efforts.
Learn more →Water Damage
Burst pipes, appliance failures, roof leaks, and moisture intrusion.
Learn more →Wind & Storm Damage
Roof damage, siding, windows, and structural impacts from storms.
Learn more →Hurricane Damage
Total-loss and partial-damage claims from major storm events.
Learn more →Hail Damage
Roof, siding, and window damage from hailstorms of all sizes.
Learn more →Vandalism
Intentional property damage, forced entry, and secondary losses.
Learn more →Flood Damage
Groundwater is rarely covered under a standard homeowners policy. Learn what is covered and what is not.
Learn more →Common Questions About Public Adjusters
What is a public adjuster?
A public adjuster is a licensed insurance professional who represents policyholders, not insurance companies, during the claims process. We document your damage, interpret your policy, and negotiate to make sure you are fully indemnified.
How much does a public adjuster cost?
Hughes & Associates works on contingency. You pay nothing upfront. We charge a percentage of your total claim value, and you owe nothing unless we recover money for you. Some claims may require outside experts (engineers, forensic specialists) whose fees are separate from ours.
What is the difference between a public adjuster and the insurance company's adjuster?
Their adjuster works for the insurance company. We work for you. Their adjuster works for the insurance company; we work for you. Our job is to make sure that the insurance company is paying what they owe; to make sure that you, the insured, are fully indemnified.
Can I hire a public adjuster after I already filed a claim?
Yes. You can hire a public adjuster at any point during the claims process, before you file, after you file, or even after you receive an initial settlement offer. If the offer is too low, we can step in and negotiate for more.
What types of property damage claims do you handle?
We handle both Commercial and Residential Fire, Water, Wind & Storm, Hurricane, Hail, Vandalism, and Theft. Sub-types like Smoke (under Fire), Pipe Burst (under Water), and Roof Damage (under Hail or Wind) are covered under the parent claim type. We are licensed in eight states.
Stop Settling for Less
Your insurance company has had their say. Now it's your turn. Send us a message. Free consultation, no obligation.