Frequently asked questions

A public adjuster is a licensed professional who represents you, the policyholder, in handling your insurance claim. Unlike insurance company adjusters who work for the insurer, public adjusters work solely on your behalf to ensure you receive a fair settlement. Hiring a public adjuster can help you with settling your claim for what you deserve per your policy

At Mission Property Loss Consultants, we prioritize transparency, integrity, and collaboration. We work closely with your contractor to ensure that all repair estimates are accurate and reflect the true scope of work needed. Additionally, our extensive experience in commercial and residential claims allows us to handle large-scale and intricate claims effectively.

Our fee varies based on the state, size of loss, and type of loss. Importantly, we do not charge a fee on your deductible, meaning you keep more of your settlement. There are no hidden fees or upfront costs—our payment comes directly from the settlement we secure for you.

The timeline for resolving a claim varies depending on the complexity of the loss and the responsiveness of the insurance company. On average, claims can take anywhere from a few weeks to several months. However, by hiring a public adjuster like Mission Property Loss Consultants, you can often expedite the process, as we manage all communications and negotiations with the insurer on your behalf.

Yes, a contractor is essential for providing accurate repair estimates and performing the necessary work. At Mission Property Loss Consultants, we collaborate closely with your contractor to ensure that the claim accurately reflects all damages and the necessary repairs, resulting in a comprehensive settlement that covers all costs.

In both states, public adjusters must be licensed by the state Department of Insurance. North Carolina: you can rescind a public adjuster contract in writing within three business days after signing, and during a catastrophic incident the fee is capped at 10% of the settlement (G.S. 58-33A-60; G.S. 58-33A-65). South Carolina: a new law, Title 38, Chapter 92, took effect May 19, 2026. It caps public adjuster fees at 10% of the settlement and lets you rescind a contract within five business days after signing (S.C. Code 38-92-120 and 38-92-130). Always verify that your public adjuster is properly licensed and in good standing with the state.

One common misconception is that hiring a public adjuster will delay the claim process or cause friction with the insurance company. In reality, a public adjuster can streamline the process by ensuring that all documentation is complete and accurately reflects your loss. Another misconception is that public adjusters only work on large claims. There’s no minimum claim size, and we’ll talk with anyone. Most of the claims we handle are over $1 million. If your claim is small or simple, read when a public adjuster is worth it, and when it isn’t.

Transparency is a core value at Mission Property Loss Consultants. We provide you with regular updates throughout the claim process, explain each step-in detail, and are always available to answer your questions. Our goal is to make the claim process as stress-free as possible while securing the settlement that you deserve

During the initial consultation, we will review your insurance policy, assess the damage, and explain how we can assist you with your claim. This is a no-obligation meeting, where we’ll answer any questions you have and outline the next steps if you choose to proceed with our services.

Handling an insurance claim on your own can be time-consuming and stressful, especially if you’re unfamiliar with the process. By hiring Mission Property Loss Consultants, you gain a dedicated advocate who understands the complexities of insurance policies and claim procedures. We handle all negotiations with the insurer, allowing you to focus on rebuilding and recovering from your loss.