Fire, water, storm, and structural damage claims are complex, and insurance companies have professional adjusters reviewing your file. Catalyst brings the same level of expertise to your side.
When your home suffers fire, water, storm, or structural damage, your insurance company sends its own adjuster, an employee whose job is to settle your claim for as little as possible while staying within policy terms.
A licensed public adjuster works exclusively for you. We document the full extent of damage, prepare detailed estimates, and negotiate directly with your insurer so the settlement reflects what your policy actually owes you.
You experienced significant property damage and your insurer's offer seems insufficient for what was actually damaged.
Your insurance company denied your claim entirely, or significantly disputed the cause, extent, or coverage for your damage.
You received a settlement but believe critical damage items were missed, undervalued, or excluded without justification.
We assess your situation and policy at no cost.
We thoroughly document every item of damage.
We prepare and submit a detailed, defensible claim.
We negotiate directly with your insurer for full value.
Most claims are handled on a contingency basis, meaning there's no upfront cost, and we're paid a percentage of the settlement we recover. (Louisiana engagements are billed hourly per state law.)
As soon as possible after damage occurs, ideally before accepting any settlement offer from your insurer.
In many cases, yes, particularly if new damage is discovered or the original settlement was significantly undervalued. Time limits vary by state and policy.
Timelines vary by claim complexity, but most residential claims resolve within several weeks to a few months.
A public adjuster handles claim valuation, documentation, and negotiation. An attorney becomes necessary if a claim dispute escalates to litigation.
No. Filing a legitimate claim and hiring a licensed public adjuster to represent you is your right as a policyholder.
Get a free, no-pressure review of your residential claim from a licensed professional.
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