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What is a Public Adjuster?

A Public Adjuster is a Professional Insurance Claims Adjuster Who Represents Only the Policyholder Schedule an Appointment

What is a Public Adjuster?

We Represent You and Protect Your Interest

We are professional insurance claim experts employed by a policyholder who has
sustained a property damage insurance loss.

What is a Public Adjuster?

The only person that can lawfully represent the rights of an insured during the insurance claim process is a state licensed Public Adjuster or an attorney. 

A Public Adjuster is a professional insurance claims adjuster works only for the policyholder in analyzing, evaluating, appraising and negotiating an insured’s insurance claim.  The technical expertise and ability to interpret ambiguous insurance policies allow the property owner to receive the maximum amount of indemnification for their claims. Although many times seen as adversarial by the insurance companies, public adjusters almost always achieve a substantial increase in the insurance claim settlement.  Any person who feels they don’t possess the knowledge and experience to successfully navigate through the insurance claims process should hire their own insurance adjuster.  Eliminate the conflict of interest by hiring a Public Adjuster.

Most public adjusters charge a percentage of the settlement. Under any method of compensation, the total commission payable to the Public Insurance Adjuster must not exceed 10% of the total amount of the insurance claim settlement.

A public adjuster is a representative of the policyholder who advises, manages, and submits a claim to the policyholder’s insurance company.  Our Public Adjusters evaluate damage, prepare a detailed scope or work and complete the final estimate.  Public adjusters also provide insurance policy interpretation to determine covered and uncovered items and to negotiate with the insurance Carrier to a final and fair settlement.

There are three types of insurance claims adjusters…
Staff Adjusters:  Staff adjusters are employed by an insurance company and work directly for the carrier and protect their interest.

Independent Adjusters:  Independent adjusters or sometimes called independent contractors work for independent adjusting firms.  When a catastrophe such as a large hurricane occurs, the insurance company calls in the “hired guns”.  They travel to a loss site from all over the country and assist on a  temporary basis.

Public Adjusters:  Public Insurance Adjusters are employed by the policyholder. ” Company” or “independent” adjusters can only legally represent the rights of an insurance company.

When you are represented by a Public Adjuster it Could Result in an Increase of More Than 200% in Your Insurance Claim Total!

Take Charge of the Insurance Claim Process

Hire Your Own Insurance Adjuster
Insurance claims always overwhelming and will turn your life upside down.  This type of catastrophe will affect your job or business, your children…YOUR LIFE!  WE offer you an alternative to an unfavorable insurance claim experience.  We will keep your life on track.

*Keep Control of Your Claim
This is imperative!  Your Insurance Claim has to be managed!!!
Do not allow a contractor or restoration company claim they are “Insurance Claim Specialist” and can represent you against the insurance company.  This is called Unauthorized Practice of Public Adjusting and is against the law.

Protect Your Insurance Claim

Abba Claims Consultants Public Adjusters are there to help you put your insurance to work for you. We have the experience and the knowledge to answer your immediate questions and help you through the complicated insurance claims process. One of the first things we do is to evaluate all of the damage and take a good hard look to evaluate your insurance policy.  Determining the “scope of loss” and analyzing your policy will help us best determine the best way to move forward with your claim to get you the maximum possible settlement.

When we evaluate damage, we look carefully at all the covered damage related to the event. You should be paid in full for all of the damage, not just part of it.  If your residence or business is not habitable or workable, you may need to relocate while the damage is being repaired.  Many people don’t realize that “additional living expenses” or “loss of use” like hotel accommodations, restaurant meals and dry cleaning can all be claimed and covered. We’ll help you sort out those issues, so you can get back to living your life.

The question of “repair or replace” comes up frequently after a catastrophe.  Please be cautious if you are approached by “restoration” companies. They may try to get you to authorize unnecessary work, or ask you to sign an authorization form that will allow them to bill your insurance company directly.  Before agreeing, think through your options and ask yourself:  Do I want to give someone else the right to collect directly from my insurance company… especially for work that may not be needed?

Hopefully you will never find yourself staring at the severely damaged remnants of your home or business, but if you do, you can count on Abba Claims Public Adjusters to assist you in finding the experts who can help you get your property back to its pre-loss condition.

Find out for sure whether or not you have a claim worth filing by calling us for a complimentary, no-obligation property evaluation.

How We Work For You

The Insurance Claim Process and how we obtain the maximum amount on your claim.





We Handle All Types of Property Damage Insurance Claims
Licensed Public Adjusters for Texas, Florida & Colorado
Private Insurance Adjusters


Residential Fire Claim
Without the help of Ches Bostick and Abba Claims our insurance claims, from losing our house and all our belongings to a fire, would not have been properly paid by our insurance company. Ches made us feel important and valued. His customer service was excellent. – Sara Nevill

Commercial Hail Claim
Abba Claims took our claim from “no damage” according to our insurance company, to obtaining an insurance settlement of over $480,000.00. We would not be able to get a proper settlement and make the much-needed repairs without the impressive and effective assistance and guidance of Abba Claims Consultants. – Betty Reichel

Commercial Hail Claim
It is with much enthusiasm and great appreciation that I am writing to recommend the services of Abba Claims Consultants, LLC.  Our Association was able to successfully settle our claim.  Our amazing outcome is a result of the professional assistance and guidance we received from Abba Claims.  In addition, our success is due to the excellent detail and preparation of our claim.  From start to finish, Abba Claims was our trusted consultant, gave us updates, assisted in vetting vendors and met with the myself and the Board of Directors as needed.  Abba Claims has our trust and proved their commitment. For this reason, I am happy to recommend their services.  On any other claims, Abba Claims Consultants, LLC will be my first call. – Tara Lee Jolley, Sr. Manager, Oberg Properties, Guest Quarters of Academy Place

Residential Hail Claim
We experienced a terrible hail storm that caused major damage to our home. Our insurance company fought us at every turn until we finally got smart and hired ABBA. Ches, Darik and Malerie worked tirelessly to help us through a VERY difficult time. We are very grateful for their help and consider them family after all they have done. – Daniel Miller


We provide Public Adjusting Services to homeowners & business owners across the States of Texas, Florida, Oklahoma, Colorado, Georgia, South Carolina & North Carolina.

Ches Bostick Texas Public Insurance Adjuster License #1400001
Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555

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