What they do
Document the loss, prepare and present the claim, negotiate scope and payment with the carrier, and manage the process on your behalf. They do not perform restoration and they do not change what the policy covers.
When they help
Large, complex or disputed losses: a total loss with coverage questions, a claim where the carrier's estimate is far below any contractor's and reconciliation has stalled, a commercial or multi-family loss with several policies, or a family that cannot manage the process. Their value is in disputes and complexity.
When they do not
Small and mid-size claims where the contractor's documentation is complete, the adjuster is responsive and the scope is being approved. There, a percentage of the claim buys little, and a good restoration contractor's Xactimate scope and documentation do most of the work.
Red flags
Anyone soliciting at the scene of the fire; pressure to sign the day of the loss; contracts without a clear fee and cancellation terms; and anyone tied to a specific contractor who shows up with them. Washington law restricts solicitation after a loss; be wary of anyone who ignores it.
Checking
Verify the license with the Office of the Insurance Commissioner, ask for references on fire losses, read the fee agreement, and decide after the first week.
