Public adjusters
Alex N. Sill Company
The Alex N. Sill Company, which operates as Sill Public Adjusters, represents commercial and large residential policyholders in property damage insurance claims. A public adjuster is licensed to work for the policyholder rather than the insurer, preparing the claim, valuing the loss, and negotiating the settlement.
A claim is handled by an in-house team rather than a single adjuster: public adjusters, building consultants and appraisers, and forensic accountants work the same file, which matters when a loss is simultaneously a repair estimate, a valuation question, a coverage analysis, and a business interruption claim. The firm can also be brought in after the fact to reopen a claim that was underpaid, denied, or stalled.
The firm handles fire, water, winter weather, wind and hail, hurricane and tornado, vandalism, and building collapse losses, along with the business interruption claim that follows. Clients include businesses, multifamily and industrial owners, schools, non-profits, and municipalities. Offices operate throughout the United States and Canada, with the main office in the Cleveland area and phone lines staffed around the clock.
Fees are contingent on recovery, with no upfront cost, so the fee percentage and the scope of the engagement should be confirmed in writing before a claim is turned over.
Best for
Commercial, multifamily, and institutional owners with a large loss - generally above $50,000 - especially where business interruption is in play or a claim has already been underpaid or denied. Not economic for small claims.
What they do
- Public adjusting for commercial property claims
- Fire and smoke damage claims
- Water damage claims
- Storm, wind, hail, and winter weather claims
- Business interruption and loss of income claims
- Vandalism and building collapse claims
- Reopening underpaid, denied, or stalled claims
- Forensic accounting and building appraisal support
- Free policy and claim review
Details
| Attribute | Value |
|---|---|
| How they charge | Contingency fee only: no upfront cost, with the fee taken as a percentage of the final settlement. |
What stands out
- Operates offices throughout the United States and Canada, with adjusters reachable 24/7.
- Public adjusters, building consultants and appraisers, and forensic accountants work the same claim in house.
- Represents businesses, multifamily and industrial owners, schools, non-profits, and municipalities.
- Will review and, where warranted, reopen negotiations on a claim that was already closed, denied, or underpaid.
Common questions
- What does a public adjuster do that my insurer's adjuster does not?
- A public adjuster is a licensed insurance professional who works only for the policyholder, while the insurance company's adjuster works for the insurer. Sill's adjusters, building consultants, and forensic accountants evaluate the loss, prepare the documentation, and negotiate directly with the carrier on the owner's behalf.
- How much does it cost to hire Sill?
- Sill works on a contingency fee basis with no upfront cost. The fee is a percentage of the final settlement, so the firm is paid only when the policyholder is paid.
- When should a public adjuster be brought in?
- As early as possible after the loss, so the claim is set up correctly from the start. Sill will also step in later if a claim has been underpaid, denied, or has stalled, reviewing the file and reopening negotiations with the insurer where that is warranted.
- What kinds of losses does Sill handle?
- Large and complex property losses: fire, water, winter weather, storm and natural disaster damage, vandalism, and building collapse, together with the business interruption or loss of income claim that follows. Clients include commercial and large residential owners as well as schools, non-profits, and municipalities.