Heritage Public Adjusting fights for the settlement you're actually owed on residential and commercial property damage claims — so you can focus on recovery.
After property damage, the burden falls on you — documenting the loss, itemizing the damage, reading the policy, and proving every dollar of your claim. All while you're trying to put your home or business back together.
Meanwhile, your insurer employs experienced adjusters whose job is to protect the company's bottom line. Their number is rarely your number.
You don't have to accept their number.
We've seen the process from the inside. We understand exactly how carriers evaluate a claim, how they document a loss, and where they look to minimize what they pay. We're fluent in their playbook — the language, the tactics, and the fine print that decides outcomes.
Now that knowledge works entirely for you. We prepare, document, and negotiate your claim to the standard the carrier respects — and we don't stop at their first offer.
Industry expertise. Policyholder loyalty.
We evaluate your claim the way the carrier will — and build it to withstand their scrutiny.
One side represents the insurer. We represent only you, and we negotiate until the number is fair.
Nothing upfront. We work on contingency, so our interests are aligned with yours from day one.
We listen to what happened and tell you honestly whether you have a claim worth pursuing.
We read your policy in full and inspect the loss to find every coverage you're entitled to.
We document, itemize, and value the damage into a claim built to the carrier's own standard.
We handle the back-and-forth and press for the full, fair settlement your policy owes.
The settlement goes to you. Our fee comes only from the additional recovery we secure.
Don't see your type of loss listed? Contact us.
You pay nothing to get started. We only get paid when you do.
We work on a contingency model. Our fee is a percentage — [X]% — of the settlement we secure for you. If we don't recover additional funds beyond what you were offered, you owe us nothing.
It's a simple arrangement with a clear consequence: our interests are aligned with yours. The more we recover for you, the better the outcome for everyone — except the carrier hoping you'd settle for less.
Licensed public adjuster, North Carolina License #17914889. Additional state licenses available on request. Proud member of the Carolina Association of Public Insurance Adjusters (CAPIA).
A public adjuster is a licensed insurance professional who works for you — the policyholder — not the insurance company. We evaluate, document, and negotiate your property damage claim so you recover the full settlement your policy owes.
Nothing upfront. We work on a contingency basis, taking a percentage of the settlement we secure for you. If we don’t recover additional funds beyond what you were offered, you owe us nothing.
Our goal is the opposite. Because we prepare your claim to the standard the carrier expects, we reduce the back-and-forth that stalls claims. A well-documented claim moves toward resolution, not away from it.
A denial is not always the end. We review the denial, the policy language, and the original documentation to determine whether the loss was properly assessed. In many cases a denied or underpaid claim can be reopened and pursued.
Heritage Public Adjusting is a multi-state firm. Licensing details by state are available on request. Reach out and we’ll confirm coverage for your location right away.
The insurer’s adjuster represents the insurance company and its bottom line. A public adjuster represents only you. We’ve seen the process from the inside and put that knowledge to work entirely for the policyholder.
We handle a full range of residential and commercial losses — storm and hurricane, fire and smoke, water and flood, wind and hail, roof, mold, business interruption, equipment and inventory, vandalism, and more.
It depends on the loss. Some smaller claims are straightforward; others are underpaid regardless of size. Our free consultation gives you an honest answer before you commit to anything.
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