Know what your policy covers before the storm does.
Most people never read their homeowners or property insurance policy until something goes wrong. A licensed Ohio public adjuster will review yours for free and show you, in plain English, where the gaps are.
Get My Free Review- No cost
- No obligation
- No claim needed
What we look for in your policy
The fine print that decides how much a claim actually pays. These are the issues we see most often on Ohio property policies:
Your deductibles
Especially separate wind and hail deductibles written as a percentage of your dwelling limit.
Replacement cost vs. actual cash value
Whether you'd be paid to rebuild, or only the depreciated value of what was damaged.
Roof coverage
Roof payment schedules and cosmetic-damage exclusions that can shrink a hail claim.
Water damage and backup
What happens if a sump pump fails or a drain backs up, and whether it's covered at all.
Ordinance or law
Money to bring a damaged home up to today's building code during repairs.
Dwelling limit vs. rebuild cost
Whether your coverage keeps up with what it would cost to rebuild today.
Loss of use
Living expenses if you have to move out while your home is repaired.
Duties after a loss
Notice deadlines and other conditions that can affect a claim if they're missed.
How your free review works
Simple, quick and pressure-free.
Send your policy
Request a review and share your declarations page and full policy. Your agent or insurer can send you a copy.
We read the fine print
A licensed Ohio public adjuster goes through your coverages, deductibles, endorsements and exclusions.
You get plain-English findings
We walk you through what's covered, what isn't, and what to ask your agent about.
Ohio property owners only, for now
Free policy reviews are currently offered for homeowners and property owners in Ohio, where Adjuster Shield is a licensed public adjuster. Outside Ohio? Visit Adjuster Shield to see what services are available in your state.
Questions
Is the review really free?
Yes. There's no cost and no obligation. You'll simply understand your coverage better.
Do I need to have a claim?
No. The best time to review a policy is before anything happens, while there's still time to talk to your agent about changes.
What kinds of properties?
Homeowners policies and other property insurance policies for property in Ohio. Not sure if yours qualifies? Just ask.
What do I need to send?
Your declarations page and the full policy, including endorsements. If you only have the declarations page, start with that.
Will you change my insurance?
No. We don't sell insurance. We review your policy and explain it; any changes are between you and your agent.
Find the gaps now, not after a loss
Request your free property insurance policy review from Adjuster Shield, a licensed Ohio public adjuster.
Get My Free Review General information, not legal advice.