Frequently Asked Questions

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A public adjuster is a licensed insurance professional who represents policyholders—not the insurance company—when filing and negotiating property damage claims. At MAG Public Adjusters, we work exclusively for you to ensure you receive a fair and accurate settlement.

The insurance company’s adjuster works for the insurance carrier and protects their financial interests. A public adjuster, like MAG Public Adjusters, advocates solely for the policyholder and ensures your claim is handled properly and fairly.

You should consider hiring a public adjuster as soon as you suffer property damage—especially for complex or high-value losses. The earlier we’re involved, the better we can document your loss and guide you through the process.

We specialize in residential and commercial property damage claims, including those caused by fire, water, storm, wind, burst pipes, mold, vandalism, and more. If you’re unsure whether we handle your type of claim, just ask!

We work on a contingency fee basis, which means we only get paid if you do. Our fee is a small percentage of the final settlement, and there are no upfront costs.

No. In fact, having an experienced adjuster like MAG on your side can often expedite the process by avoiding delays, submitting complete documentation, and keeping communication clear with the insurance company.

Yes! We can step in at any point in the claims process—even after a claim has been underpaid or denied. We’ll review your file and determine if we can reopen or supplement your claim.

While we’re have offices in Rockland and Sagamore Beach MA, Mike Garofalo is licensed in over a dozen states including MA, ME, RI, NH, NJ, VT, CT, VA, WV, NC, SC, GA, FL, LA, TX, and MI. We also have a network of affiliates who can assist nationwide.

First, ensure your safety and prevent further damage if possible (like turning off water or securing the area). Then, contact us. We’ll guide you on what to document, how to notify your insurer, and what to expect next.

With over 17 years of industry experience, specialized credentials, and a dedication to guiding clients through the toughest storms, we are trusted advocates who fight for your best outcome—every step of the way.