Insurance Claims FAQ — Sullivan Claims and Consulting

Question 1

What is an independent insurance adjuster?

Accepted Answer

An independent adjuster is a licensed professional who investigates and evaluates insurance claims on behalf of insurers, policyholders, or attorneys — but is not employed by any single insurance company. This independence means assessments are objective, thorough, and free from conflicts of interest.

Question 2

Who do you work for — the insurance company or the policyholder?

Accepted Answer

Sullivan Claims and Consulting is hired by insurance carriers, self-insured entities, attorneys, and policyholders alike. Because we are truly independent, our obligation is always to provide an accurate, unbiased assessment.

Question 3

What happens during a property damage inspection?

Accepted Answer

We conduct a thorough on-site inspection of the damaged property, documenting all visible damage with photographs and detailed notes. We assess the cause and origin of the damage, review policy language, and prepare a comprehensive written report.

Question 4

Can you help with a claim that has already been denied or underpaid?

Accepted Answer

Yes. We frequently assist policyholders, attorneys, and contractors who believe a claim was improperly denied or the settlement was inadequate. We can conduct a reinspection, prepare an independent estimate, and provide a written opinion on the cause and scope of damage.

Question 5

Do you provide expert witness services?

Accepted Answer

Yes. We provide expert witness testimony for depositions, trials, and arbitration proceedings. Our CPCU, AIC, and HAAG certifications, combined with 20+ years of field experience, provide a strong foundation for credible, well-supported testimony.

Question 6

What states are you licensed in?

Accepted Answer

We are licensed as independent adjusters in West Virginia and Florida, and serve all counties in both states.

Question 7

How are your fees structured?

Accepted Answer

Fees vary depending on the type and complexity of the engagement. Adjusting services may be structured as a flat fee or percentage of the claim. Consulting and expert witness services are typically billed hourly or at a flat project rate.

Frequently Asked Questions

About Independent Adjusting

The Claims Process

Expert Witness & Consulting

Working With Us