Indemnity Resolution Public Adjusters Ltd

06/07/2025

Worth sharing again!

04/08/2025

When dealing with an insurance claim, it’s important to understand the key differences between the three types of adjusters:
• Company Adjuster: Works directly for the insurance company as a salaried employee. Their primary responsibility is to protect the insurer’s financial interests by evaluating claims and settling them for the lowest reasonable amount.
• Independent Adjuster: Although not a direct employee of the insurance company, they work on a contract basis to handle claims on behalf of insurers. Their goal is still to minimize payouts for the insurance company.
• Public Adjuster: Hired by the policyholder, a public adjuster works solely in the policyholder’s best interest. They assess damages, negotiate with the insurance company, and advocate for a fair and maximum settlement.

Why Hire a Public Adjuster?

Insurance companies are businesses focused on minimizing losses, which can sometimes lead to lower claim payouts. A Public Adjuster ensures that policyholders receive the full compensation they’re entitled to by handling the complexities of the claim process, properly documenting damages, and negotiating aggressively. Hiring a public adjuster can make a significant difference in the final settlement, helping policyholders recover more and avoid being shortchanged by the insurer.

03/22/2025

03/18/2025

Rental property owners recently hired Indemnity Resolution Public Adjusters Ltd. (IRPA) to assist in overturning an insurance carrier’s denial of a fire loss claim to their property which was leased to tenants.
The insurance carrier adjuster denied coverage, alleging that the structure damages were not covered under the policy. This adjuster instructed the policy holders to file a suit against their tenants.
The policy holders sent IRPA a recorded conversation they had with the insurance adjuster. During this conversation, the adjuster claimed that their policy had exclusions for multiple causes of losses. The alleged first of the multiple causes of loss was the fire caused by an overloaded extension cord. The second cause of loss stated was the tenants failure to properly take care of the premises (wear/tear). Based on the use of the wear/tear exclusion in the policy, the insurance company denied coverage.
The Insurance carrier sent the policy holders a denial letter stating, in part, referencing a section in their policy referencing the wear and tear exclusion that did not apply to the situation.
IRPA reviewed the denial letter, insurance policy, and other facts relevant to determine the claim. IRPA determined that the carrier was incorrect in denying coverage under the policy section referenced. As a result, the insurance company rescinded its denial letter and our clients’ insurance claim was fully covered and policy limits paid.
Insurance policies are contracts filled with multiple terms and conditions that must be followed by all parties. The insurance company adjuster mis-interpreted the contract. This illustrates why it is important to speak to a public adjuster at the beginning of the claim process.

Bill Brunsdon, President of Indemnity Resolution Public Adjusters, has close to thirty years of experience in the insurance industry.

02/15/2025

Did you know many homeowners settle for LESS than they deserve? Learn how a public adjuster can maximize your claim.

03/17/2024

Don’t let expensive tax mistakes ruin your year. Let our team help you navigate through the hectic tax season. We offer a range of services to assist individuals and businesses with their taxes, including planning, audits, appeals, and more.

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09/22/2022

Do not fall victim to the latest social security number scams that have been plaguing the public. Keep yourself safe by reading our blog, and if you experience any suspicious activity, let Brunsdon law help!

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01/06/2022

If you are having problems with your insurance company on a claim related to a Fire, Water, Wind, Theft Vandalism or Business Income,
call us!
We handle both Commercial and Home Owners claims!

04/29/2021

Home owners should be aware of this policy form and how it is applied by their insurance carrier! It is called the Cosmetic Damage Exclusion. What this form basically does is when your home experiences a hail storm, this form excludes visible hail hits to shingle and metal awnings and roofs! The form states that since your roof surfaces look like crap, it still sheds water therefore the roofs are not physically or “mechanically” hail damaged and will not be covered under your claim! Here is the form and a few photos of cosmetic hail damaged! Would you live with this? Check your policy and make sure you have Replacement Cost on everything! Most agents do not even know this form is in the policies they are selling to you!

11/18/2020

I was recently hired by homeowners to fight their insurance company’s denial of a claim for hail damages. The claim requested replacement of their roofs on the main dwelling and detached garage. The carrier sent out their adjuster who stated that the roofs did not sustain any hail damage. The carrier then sent a denial of coverage letter!

Review a few of my attached photos and let me know if you see hail damage. The first photo is of a car in the driveway. The other photos are of their roof.

This is an example of why you need to contact us if you need to file an insurance claim for any cause of loss or have already been denied on a filed claim!