Fire or Smoke Claim Denied or Underpaid?

How much does a public adjuster cost?

With UPA, we never take a penny out of a property or business owner's pocket. Our fee is covered by the overhead and profit built into the insurance settlement itself — not paid by you — and the recovered funds stay in your control. As a 501(c)(3) non-profit, our interest is aligned with getting you the full settlement your policy owes. Separately, and only if you ask us to, we can run a community fundraising drive through our partnership with GoFundMe Pro.

What if my claim was already denied?

A denied or underpaid fire or smoke claim isn't necessarily final. Fire losses are complex — smoke and soot damage, code-upgrade costs, and contents are all easy to overlook or dispute — and that's often where a claim falls short. UPA can review your denial letter and policy, document the full extent of the fire and smoke damage, and, where appropriate, work to reopen and re-present your claim. Call 1-855-944-3473 for a review.

How is a public adjuster different from the insurance company's adjuster?

The adjuster your insurance company sends works for the insurer — their job is to assess your loss on the company's behalf. A public adjuster works for you, the policyholder. UPA independently inspects the damage, documents the full scope of the loss, and negotiates with your insurer to pursue the settlement your policy owes, with your interests as the priority.

Do you handle both home and business claims?

Yes. We handle fire and smoke claims for both homeowners and businesses — from a house or kitchen fire to commercial property fires and the business interruption that follows. Whatever the property, our role is the same: document the full loss and pursue the settlement your policy owes.