How Our Claims Process Works
Free Inspection & Consultation
We meet with you to review your policy, assess the damage, and explain the claims process. There's no cost for this initial consultation.
Damage Documentation & Detailed Estimate
We conduct a thorough inspection, compile photographic evidence, and prepare a comprehensive estimate of all damages covered under your policy.
Claim Filing & Carrier Negotiation
We file your claim with complete documentation and negotiate directly with your insurance company to ensure fair consideration of the full scope of loss.
Settlement Review & Payout Maximization
We review every settlement offer, identify gaps, and pursue additional compensation so you receive what you're entitled to under your policy.
Commercial, High-Value & Multi-Unit Claims
Ready to Maximize Your Settlement?
Frequently Asked Questions
What does a public adjuster cost?
We work on a contingency basis — our fee is a percentage of what we recover for you, agreed to in writing before any work begins. If there's no recovery, there's no fee.
When should I hire a public adjuster?
As early as possible — ideally before you file, so damage is documented right from the start. But we can step in at almost any stage.
I've already filed my claim. Can you still help?
Yes. We re-document the loss, find what was missed, and supplement or reopen the claim.
My claim was denied. Is it over?
Not necessarily. Many denials can be challenged — we review the denial, your policy, and the facts, then push to reopen or appeal.
Do you handle commercial claims?
Yes — homes, apartment buildings and multi-unit complexes, office and retail buildings, and HOAs.
Are you licensed?
Yes — Kijhani Sebastien is a licensed Georgia public adjuster, license #3252669, serving clients statewide.
Will hiring a public adjuster slow my claim down?
Usually the opposite — a properly documented file and persistent follow-up keep the carrier moving.
What should I do right after damage happens?
Document everything with photos, prevent further damage if it's safe, don't throw anything away, and call us for a free consultation before giving recorded statements.