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New Jersey Licensed Public Adjusters

Don't understand your insurance coverage? Or having trouble after a water/fire incident?

Give us a call for a free consultati

Call Now

New Jersey Licensed Public Adjusters

Don't understand your insurance coverage? Or having trouble after a water/fire incident?

Give us a call for a free consultati

Call Now

Questions You May Have

What is a Public Adjuster?

A public adjuster is a professional who helps homeowners and businesses get fair payments from their insurance company after damage happens, like from a fire, storm, or flood.

When you file an insurance claim, the insurance company sends its own adjuster to decide how much they should pay. But that adjuster works for the insurance company, not for you. A public adjuster works for you, not the insurance company. They review your policy, assess the damage, and negotiate to make sure you get the maximum amount you’re entitled to.

Why do I need a Public Adjuster?

We Work for You, Not the Insurance Company – Insurance companies have their own adjusters who try to pay as little as possible. A public adjuster fights to get you the full amount you deserve.
We Know the Rules – Insurance policies can be confusing. Public adjusters understand the fine print and make sure the insurance company follows the rules.
We Maximize Your Payout – Many people accept low offers from their insurance company because they don’t know they can get more. A public adjuster negotiates to ensure you get the highest possible settlement.
We Handle the Paperwork & Stress – Filing a claim takes time, and insurance companies can delay or deny payments. A public adjuster takes care of the process so you don’t have to.
We Speed Up the Process – Insurance claims can drag on for months. A public adjuster helps move things along so you get paid faster.

How do we get paid?

A Public Adjuster gets paid by taking a percentage of the insurance payout

No Upfront Fees – We do not charge anything upfront. We only get paid if they successfully increase your insurance settlement.
Percentage-Based Fee – We take a percentage of the total amount you receive from the insurance company. This is usually between 5% and 20%, depending on the complexity of the claim and state regulations.
Paid Only If You Get Paid – If we don’t win you a settlement or increase your payout, we don’t get paid. This means they are motivated to get you the highest possible amount.

Example:

If your insurance company originally offers $50,000, but your public adjuster negotiates and gets you $80,000, and their fee is 10%, they would take $8,000 from the final payout.
You would still receive $72,000, which is more than the original offer.

Why choose Kozak Adjusting?

Hiring Kozak Adjusting is highly beneficial because everything is handled in-house, making the claims process smoother, faster, and more efficient. Here’s why:

One Point of Contact – Instead of dealing with multiple companies for claims, water remediation, and reconstruction, clients work with one trusted team that handles everything from start to finish.
Faster Claims & Repairs – Since you control the entire process, there are no delays between damage assessment, cleanup, and rebuilding. You negotiate the maximum settlement and immediately begin the necessary work.
Expert Damage Assessment – As a public adjuster and a water remediation specialist, you know exactly what damages need to be covered and can ensure the insurance company pays for the full restoration.
No Hidden Agendas – Insurance companies often try to minimize payouts. Since you handle the adjusting, remediation, and reconstruction, there’s no risk of corners being cut or improper repairs.
Higher Payouts for Clients – Because you understand both insurance policies and the true cost of repairs, you can negotiate better settlements that fully cover all damages.
Seamless Process for Homeowners & Businesses – Clients don’t have to find different contractors, worry about getting lowball offers, or struggle with paperwork—your firm takes care of everything.
No Obligation to Use Our Reconstruction Services – If you prefer to use your own contractor for rebuilding, you are free to do so. Our goal is to ensure you get the best possible settlement, whether you use our services or another trusted contractor.

By choosing your firm, clients get a stress-free experience, a higher insurance payout, and a fully restored property, all from one trusted team.

New Jersey Licensed Public Adjusters

New Jersey Licensed Public Adjusters

Questions You May Have

What is a Public Adjuster?

Why do I need a Public Adjuster?

How do we get paid?

Example:

Why choose Kozak Adjusting?

Insurance companies we've worked with and more!

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