Frequently Asked Questions

What is a "public adjuster"?
A public adjuster is a person licensed by the state to represent the policyholder against his/her own insurance company. In other words a public adjuster does for you what your insurance adjuster does for his/her company, protects your best interests.
What is the difference between Lucas Professional Advocates and another public adjusting firm?
At Lucas Professional Advocates we take pride in our work and handle every claim as if it were our own property. We are not a national franchise and we will work tirelessly until every aspect of your claim is completed.
How do I know what is covered by my policy?
With all of the confusing terminology inside of an insurance policy it is easy to get confused while trying to interpret your own policy. Give us a call or send an email through the “contact us” box and we will help you figure out exactly what type of coverage you have available and how that may change your claim.
Why am I being offered less than half of what I paid for my personal belongings?
There are a few factors that come into play when deciding how much a personal item is worth. Though each situation may bring its own factors there are a few that are common to most. Most policies will depreciate your personal items due to their age. Some of this depreciation is usually recoverable. If you decide to actually replace the items that are damaged, you will be refunded another portion of the value.
The building inspector told my builder that we must comply with the latest building code, is this covered?
Most policies have coverage for code, though your adjuster most likely will not speak up and tell you about this. This is one of the many areas Lucas Professional Advocates can make the difference between a terrible experience and a satisfactory outcome. With our expertise in the analysis of your policy, we can insure nothing will be missed.
My property was considered a total loss and I have been paid limits on my policy. I’ve been told I can still collect more on my policy, how is this so?
Due to the “additional coverage” built into most policies, it is often possible to collect additional sums of money even if you have reached the amount of your coverage listed. Give us a call to find out which coverage you may be eligible for under your policy. You may be pleasantly surprised.
This is all sounding good and I’d like to learn more, however I am always a bit reluctant to contact a business because I don’t like speaking with a hard pressure salesperson. Is there an easier way to get a hold of Lucas Professional Advocates?

There are no hard pushed sales tactics here. At Lucas Professional Advocates we believe in our service and we know were genuinely helping people on a daily basis. We don’t sell our service to customers but rather explain what it is we do and let you decide if you would like our help.