The Property Insurance Claim Experts

At TBM Public Adjusters, we specialize in navigating the complex world of insurance claims. These are some of the little things that help us, help you.

• Hidden policy loopholes and fine print designed to limit payouts.
   
• Carriers undervaluing roof replacements, code upgrades, or labor costs.
   
• Constant pushback on “matching,” depreciation, and O&P.
   
• Confusing claim language — ACV vs. RCV, recoverable depreciation, exclusions.
   
• Adjusters juggling hundreds of claims and rushing inspections.
   
• Re-inspections, supplements, and denial letters dragging timelines out.
   
• Contractors walking a fine line with what they’re legally allowed to say to carriers.
   
• Homeowners left in the dark about their rights and true coverage.