Question 1

Why Do I Need a Public Adjuster?

Accepted Answer

When you file a property insurance claim, the insurance company sends their adjuster — someone trained to protect their financial interests. A public adjuster is the professional who protects yours. I work exclusively for you, not the insurance company, to make sure your damage is fully documented, your policy is interpreted correctly, and your settlement reflects the true cost of repairs, contents, and living expenses.Most homeowners don’t realize how much money gets left on the table. Missing items, undervalued repairs, denied supplements, and rushed inspections can cost you thousands. My job is to prevent that from happening and fight for the full amount you’re entitled to

Question 2

Why Choose Alfred Smith CPCU Claims Services LLC?

Accepted Answer

You’re not just hiring a public adjuster — you’re hiring a licensed professional who brings expertise, accuracy, and advocacy to your claim. I specialize in uncovering underpayments, reopening old claims, and negotiating fair settlements for homeowners across Massachusetts and Rhode Island.What sets me apart:Licensed Public Adjuster with CPCU‑level claims expertiseLocal — serving Taunton, Fall River, New Bedford, Providence, SmithfieldHands‑on inspections and detailed documentationClear communication every step of the wayContingency‑based — you pay nothing unless I recover more money for youExperience with new, underpaid, and years‑old claimsMy goal is simple: protect you, maximize your settlement, and make the claims process less stressful.

Question 3

Are we a fit?

Accepted Answer

Before anything moves forward, we’ll sit down and talk through your situation — what happened, what the insurance company paid, and what problems you’re facing. I want you to feel comfortable, confident, and fully informed. This conversation helps us both decide whether working together makes sense and whether I can genuinely add value to your claim.No pressure. No obligation. Just clarity.

Question 4

How do I know if my insurance company paid me enough?

Accepted Answer

Most homeowners don’t. Claims are often rushed, undervalued, or missing key items. Alfred Smith Claims Services reviews the entire file and identifies underpayments, missed damage, and overlooked coverage.

Question 5

What if my claim was closed — can it still be reopened?

Accepted Answer

Yes. Many claims can be supplemented or reopened months or even years later if they were underpaid or improperly handled. Please note I only get paid on the money I recover for you. So me looking at your claim to see if there was any gaps is only a benefit to you.

Question 6

Why does my contractor say the insurance estimate is too low?

Accepted Answer

Because it usually is. Contractors see the real cost of repairs. A public adjuster bridges the gap between contractor pricing and insurance pricing to recover the difference. I will work with your contractor of choice, and if you need one,  I have many I have developed a relationship over the years with. I will work with both the insurance carrier and the contractor to be sure you are cared for.

Question 7

What if the insurance company denied part of my claim?

Accepted Answer

Denials can often be challenged. A public adjuster can review the denial, identify errors, and negotiate for coverage the insurer overlooked. While I am not an attorney, I work with many to be sure your rights under your policy are secured.

Question 8

Why is my depreciation being held back?

Accepted Answer

Recoverable depreciation is often delayed or missed entirely. A public adjuster ensures you receive the full replacement cost you’re entitled to. There is a process and this will be discussed at our meeting once we are working together as a team.

Question 9

What if my Additional Living Expenses (ALE) ran out but I’m still displaced?

Accepted Answer

ALE is frequently underpaid or cut off too early. I can request extensions and recover additional funds. You paid for this coverage, and this should be extended to you as an agreement not a favor. Contact me to discuss.

Question 10

Why is my contents list so undervalued?

Accepted Answer

Insurance companies often pay pennies on the dollar for personal property. A public adjuster prepares a proper inventory and fights for accurate replacement values. Many times people will dispose of items without making a claim in a total loss fire. Do not make this mistake!! Contact me today to discuss.

Question 11

What if the insurance company’s adjuster missed damage?

Accepted Answer

It happens constantly. A public adjuster performs a detailed inspection and documents everything the insurer overlooked.

Question 12

Can I get more money even if I already received a settlement?

Accepted Answer

Yes — if the claim was underpaid, improperly scoped, or missing items. A public adjuster can recover additional funds on supplements or reopened claims.

Question 13

Why is the claims process so stressful?

Accepted Answer

Because you’re dealing with a billion‑dollar company trained to minimize payouts. A public adjuster handles the entire process so you don’t have to.When you hire me, you’re not just getting a public adjuster — you’re getting a licensed professional who represents your interests, not the insurance company’s. I bring expertise, accuracy, and advocacy to every claim, whether it’s brand new, underpaid, or years old.I’ll sit down with you, review your situation, answer every question, and make sure you feel comfortable. We’ll decide together whether we’re the right fit — no pressure, no obligation, just clarity.My goal is simple: Protect you. Maximize your settlement. Make the process easier.

As a CPCU‑certified Public Adjuster, I bring expert‑level understanding of how insurance companies evaluate claims, interpret policy language, and calculate settlements. This means your claim is prepared, documented, and presented with the same precision carriers use internally.

I don’t rely on guesswork or generic templates. I apply proven, industry‑standard methods to ensure every detail of your loss is captured and supported. My CPCU training reinforces a strict ethical code focused on protecting policyholders and advocating for fair, accurate settlements.

When you work with me, you’re working with the CPCU standard — the highest level of knowledge, ethics, and professionalism in the claims industry.

Alfred Smith CPCU Claims Services

Helping Families & Businesses Recover After Loss Regional Adjuster
Strategic Claims Leadership CPCU‑Certified Advocate

Our Services

01

Residential Claims

Our Services

02

Commercial Claims

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Settlement Advocacy

Alfred Smith Claims Services

617 697 2646

Alfredsmithcpcu@gmail.com

Frequently asked questions