Howard Layne & Associates is a public adjusting firm that represents homeowners and business owners on water, fire, and storm insurance claims. Our licensed public adjusters work for you, not the insurance company — documenting damage, reviewing policy coverage, and negotiating to pursue the settlement available under your policy.
A public adjuster is a licensed professional who represents you, the policyholder, in an insurance claim. Unlike company adjusters who work for the insurance company, we work exclusively for you to ensure you receive the maximum settlement allowed under your policy.
We work on a contingency fee basis. This means we charge a small percentage of the settlement we recover for you. There are zero upfront out-of-pocket costs, and if we don't recover money for you, we don't get paid.
Yes. Many claims are wrongfully denied due to technicalities, misinterpretation of policy language, or inadequate inspections. We can reopen your denied claim, conduct our own assessment, and fight to get it covered.
Absolutely. Insurance companies often use their own pricing software to lowball repair costs. We use independent experts and detailed documentation to prove the true cost of repairs and demand a fair supplemental settlement.
In most property damage claims, a public adjuster is the most effective advocate because we specialize in estimating damage and negotiating policy coverage. If your claim requires legal action, we can recommend and work alongside trusted attorneys.
The timeline varies depending on the complexity of the damage and the responsiveness of the insurance company. While some claims settle in a few weeks, complex claims can take months. We keep you updated every step of the way.
The best time to contact a public adjuster is immediately after the damage occurs, before you file the claim. However, we can step in at any point in the process—even if you've already received a settlement or a denial.
Yes. We have extensive experience handling large-loss commercial claims, including building damage, equipment loss, inventory loss, and business interruption claims.
Phone: 623-288-5572
Email: info@howardlayne.com
Address: 2200 E Williams Field Rd, Ste 200, Gilbert, AZ 85295