Frequently Asked Questions

A public adjuster is a licensed professional who represents policyholders—not insurance companies—in preparing, filing, and negotiating insurance claims to ensure you receive a fair settlement.

Insurance adjusters work for your insurance company. Public adjusters work for you, the policyholder, to make sure your best interests are represented throughout the claim process.

There’s no upfront cost. We only get paid a small percentage of your final settlement, and only if you get paid.

The earlier, the better. You can hire us before you file a claim, during the process, or even after a claim has been denied or underpaid.

Yes. We specialize in reopening and negotiating denied or insufficient settlements to fight for the full amount you deserve.

Yes, we assist both homeowners and business owners across New Jersey.

We help with water, fire, smoke, storm, wind, flood, sewer backups, vandalism, roof damage, and more.

Yes, insurance policies often have deadlines. Contact us as soon as possible to review your situation and preserve your rights.

No. You have the legal right to representation. In fact, many people hire adjusters to make sure they’re treated fairly.

Yes, we proudly serve clients throughout the entire state of New Jersey.

No problem. We can step in at any stage — even if you’ve already filed the claim or received an initial settlement offer. We’ll review your policy and damages to see if you’re entitled to more.

That’s because they’d prefer to deal with you directly. But remember — their adjuster represents them, not you. A public adjuster ensures your side is protected.

Not necessarily. We handle all communication and inspections with your insurance company. We’ll keep you updated, but you don’t have to be involved in every step.

Possibly. Many claims can still be revisited if they were underpaid, denied, or not filed at all. Time limits vary by policy, so reach out soon to review your options.

Actually, we often speed things up by submitting a complete, well-documented claim from the start and pushing for timely responses from the insurance company.

We’ll ask for a copy of your insurance policy, any correspondence with your insurer, photos of the damage (if available), and repair estimates if you have them. If you don’t have them, that’s ok. We will walk you through it.

Yes. We can coordinate with your contractor or refer trusted professionals. We do not receive kickbacks — our only interest is maximizing your claim.

Yes. Watermark Claims Specialists is a fully licensed New Jersey public adjusting firm. License #3003451429.