When a collision, storm, fire, or other loss leads to an insurance claim, you expect the policy to respond fairly. The problem: the adjuster your insurance company sends works for the carrier, not for you. A public adjuster flips that equation. Teak Claim Consultants represents you, the policyholder, through a remote-first process that extends well beyond our Billings office.

What Is a Public Adjuster?

A public adjuster is an independent insurance professional who works on behalf of you, the consumer. We review your policy, document your loss, prepare detailed estimates and reports, and handle every negotiation with your carrier so you receive every penny that you are owed.

Insurance policies are dense legal documents, and carriers handle thousands of claims at a time. Without someone in your corner who reads policies for a living, it is easy to accept a settlement far below the true value of your loss.

Why Policyholders Hire Us

We work for you, not the insurance company. Our job is to maximize your recovery, period.
We understand regional losses. From hail and winter collisions to wildfire, wind, and water damage, we document each loss using the facts, market, and repair costs relevant to its location.
We have over 10 years of appraisal experience. We have encountered and handled a wide range of claim scenarios and challenges.
We are licensed in twelve states. Washington, Oregon, Idaho, Montana, Wyoming, Nevada, Utah, Arizona, New Mexico, North Dakota, South Dakota, and Nebraska.
We build claims around evidence. Policies, estimates, photographs, inventories, repair records, and market data give the carrier a documented basis for reviewing the full loss.

Claims We Handle

Total loss appraisals when the carrier's valuation of your vehicle falls short of the market.
Repair estimate disputes when the carrier's estimate will not cover what your auto body shop actually needs to complete a safe, correct collision repair.
Diminished value claims for the resale value your vehicle loses after an accident.
Homeowners claims for hail, wind, snow load, fire, and water damage.
Commercial claims for buildings, trailers, and business equipment.
Claim denials when your carrier says no and you believe the policy says yes.

How Our Process Works

1. Free Consultation

Call (406) 561-8857 or send us your claim details, your insurance carrier, and any photos or documents you already have. We will tell you honestly whether we can add value.

2. Policy Review and Damage Documentation

We read your policy line by line, inspect and photograph the damage, and identify coverage the carrier's adjuster may have overlooked.

3. Estimates, Reports, and Filing

We prepare detailed estimates and reports that support the full scope of your loss and submit them to your carrier.

4. Negotiation and Settlement

We handle all negotiations on your behalf, standing our ground until the settlement reflects the true value of your loss.

Your Right to Choose Your Own Shop

If your claim involves a vehicle, your carrier may steer you toward a direct repair program (DRP) shop that follows the insurer's pricing and guidelines in exchange for referrals. You have the right to choose any auto body shop you trust. We make sure the settlement funds a proper collision repair, not merely the cheapest one.

Frequently Asked Questions

Do I need a public adjuster for a small claim?

Sometimes a claim really is straightforward. That is exactly what the free consultation is for: we will tell you up front whether representation is worth it for your situation.

Can you help if I already received a settlement offer?

Yes. An offer is a starting point, not a verdict. We review the carrier's numbers against our own documentation, and if your policy includes an appraisal clause, we can invoke it to challenge the amount.

What does it cost?

We explain our fees clearly during your free consultation, before you commit to anything. No surprises.

Talk to a Public Adjuster Today

Teak Claim Consultants is family owned and based in Billings, Montana, but policyholders across our service area can send policies, estimates, photos, repair records, settlement offers, and carrier correspondence electronically. Call (406) 561-8857 or reach out through our contact page for your free consultation.