Licensed Public Adjusters · Working Nationwide
When they say no,
we say watch us.
Your insurance company has adjusters working for them. National Claims Negotiators works for you — large-loss commercial and residential property damage claims, handled by experts.
Membership & Leadership
National Claims Negotiators
Licensed Public Adjusters
Texas Association of Public Insurance Adjusters
Vice President
National Association of Public Insurance Adjusters
Member
How it works
Three steps between you and the settlement you deserve.
Submit Free Claim Review
Property damage from a storm, fire, flood, or anything else. Submit a free claim review — before or after you file with your insurance company.
We build your case
We inspect the damage, review your policy line by line, document everything, and prepare a claim the insurance company can't ignore.
You get paid
We negotiate directly with your insurer until you receive a fair settlement your policy entitles you to. No recovery, no fee.
Why it matters
Insurance companies have teams of adjusters, estimators, and attorneys protecting their bottom line. You deserve someone in your corner.
A public adjuster is a licensed insurance professional who works exclusively for the policyholder — not the insurance company. A public adjuster flips this dynamic entirely. They work for you.
National Claims Negotiators inspects the damage, reviews your policy line by line, documents every loss, and negotiates directly with your insurer. The goal is simple: get you a fair settlement your policy entitles you to. We work on contingency, meaning you pay nothing upfront and nothing if we don't recover.
National Claims Negotiators has handled over $300 million in property damage claims nationwide, with deep expertise in large-loss commercial claims for apartment complexes, manufacturing facilities, churches, school districts, strip centers, senior living facilities, and warehouses. When your insurance company says no, we have the experience, credentials, and persistence to fight back.
A study by the Office of Program Policy Analysis and Government Accountability found that policyholders who used public adjusters received settlements up to 747% higher than those who negotiated on their own.
Severe convective storm losses in the U.S. exceeded $17 billion in insured losses in 2024 alone, making hail, wind, and tornado damage the most common — and most underpaid — property insurance claims in the country.
An estimated 87% of commercial buildings in the U.S. are underinsured. When disaster strikes, business owners routinely face initial settlement offers that fall tens of thousands — sometimes millions — short of actual repair and recovery costs.
Services
Full-service public adjusting, from inspection to settlement.
Results
The numbers don't lie.
Coverage
We work nationwide. Licensed in 11 states and growing.
Below are the states we are currently licensed in. Michigan and Missouri licenses are in process.
If you're outside those states, we handle the licensing so we can step in and represent you properly. Bottom line: if you have a claim, we can help.
View service areasNational Claims Negotiators was an absolute lifesaver after our warehouse took major hail damage. The insurance company initially offered us a fraction of what we needed. They stepped in, documented everything, and got us a settlement that fully covered our repairs. Cannot recommend them enough.
Resources
From the blog
Common questions
What property owners ask us most.
Dealing with property damage is stressful. Understanding your options shouldn't be. Here are the questions we hear every day.
View all FAQsWhat does a public adjuster do?
A public adjuster is a licensed insurance professional who works exclusively for you — the policyholder. We assess property damage, review your policy, prepare claim documentation, and negotiate directly with your insurance company on your behalf. Unlike the insurance company's adjuster, we are legally obligated to represent your interests.
How much does a public adjuster cost?
Most public adjusters work on a contingency fee basis. The percentage varies by state. You pay nothing upfront and nothing out of pocket. If we don't recover a settlement, you pay nothing.
Can you help with a denied claim?
Yes. We regularly reopen denied claims, gather additional documentation, and negotiate for settlements that were previously refused. Many of our largest recoveries come from claims that were initially denied by the insurance company. It is not too late to fight back.
What states do you serve?
We work nationwide. National Claims Negotiators is currently licensed in Texas, Oklahoma, Colorado, Florida, Georgia, Iowa, Kentucky, Minnesota, North Carolina, Tennessee, and Wisconsin, with Michigan and Missouri licenses in process. If you are outside our active states, we handle the licensing so we can step in and represent you properly.