Why We're Here

Don’t Settle for Less. Get the Insurance Payout You Deserve.

Did you know? Nearly 60% of insurance claims are either denied or underpaid every day. At Cat 5 Public Adjusters, we work exclusively for policyholders—not insurance companies—to help ensure you receive the fair settlement you’re entitled to.

Why Hire a Public Adjuster?

When a claim is filed, the insurance company assigns their own adjuster—someone who works for them, not you. That’s why it’s critical to have a licensed public adjuster on your side. We are experts in property insurance claims and legally authorized to negotiate with insurers on your behalf. General contractors are not licensed to handle or negotiate insurance claims for policyholders.

What We Do for You

From start to finish, our public adjusters manage every aspect of your insurance claim:

• Assess the full extent of your property damage
• Document your loss with precision
• Coordinate with industry specialists such as engineers, architects, industrial hygienists, and accountants when needed
• Prepare a detailed repair and restoration report that addresses overlooked or underestimated damage
• Negotiate directly with the insurance company to pursue the settlement you’re owed

We make sure your claim is handled thoroughly, professionally, and with your best interest in mind.

When Should You Consider a Public Adjuster?

Hiring a public adjuster might be right for you if:

• Your claim is large or involves significant damage
• You feel overwhelmed or frustrated by dealing with the insurance company
• You've had a negative claims experience in the past
• You’re too busy to manage the back-and-forth communication
• You believe the insurance offer is too low

What to Expect When You Work With Us

When you hire Cat 5 Public Adjusters:

1. We visit your property to inspect the damage thoroughly.
2. We perform a comprehensive evaluation of your insurance policy and your loss.
3. We develop a recommended settlement amount based on our findings.
4. We handle all communication and negotiation with your insurance company.
5. You maintain full control and can choose to accept, reject, or negotiate the offer—with us by your side every step of the way.