Howard Layne & Associates — Public Adjusters

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.

Services

Frequently Asked Questions

What is a public adjuster?

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.

How do public adjusters get paid?

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.

Can you help with denied claims?

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.

Can you help with underpaid claims?

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.

Do I need an attorney?

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.

How long does the process take?

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.

When should I contact you?

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.

Do you handle commercial claims?

Yes. We have extensive experience handling large-loss commercial claims, including building damage, equipment loss, inventory loss, and business interruption claims.

Contact

Phone: 623-288-5572

Email: info@howardlayne.com

Address: 2200 E Williams Field Rd, Ste 200, Gilbert, AZ 85295