❓ Frequently Asked Questions (Q&A) for Absolute Claims Advocates

❓What does a public adjuster do?

A public adjuster represents you—the policyholder—in insurance claims. Unlike the insurance company’s adjuster, a public adjuster works solely on your behalf to inspect the damage, estimate costs, handle paperwork, and negotiate for a fair payout.

❓Why should I hire Absolute Claims Advocates?

With over 30 years of experience and more than 10,000 claims settled, Paul Gutjahr and ACA offer unmatched expertise in storm, fire, water, and roof damage claims. We fight for your full settlement and handle the stress of the entire process.

❓Which states are you licensed in?

Paul L. Gutjahr is a licensed public adjuster in Florida, Texas, Georgia, North Carolina, South Carolina, Arizona, Colorado, Iowa, Kansas, Kentucky, Michigan, Minnesota, Oklahoma, and Utah. Nationwide virtual services are also available.

❓Do I need a public adjuster if my claim hasn’t been denied?

Yes. Even if your claim is approved, insurance companies often underpay. A public adjuster ensures your damages are fully documented and valued, so you receive the maximum settlement under your policy.

❓How do you document property damage?

We use advanced tools like Matterport 3D scans, drone aerial photography, and Xactimate estimating software to create detailed, professional documentation that insurers can’t ignore.

❓What types of claims do you handle?

We handle residential and commercial claims involving hurricane damage, storm damage, water and mold, fire and smoke, roof damage, and denied or underpaid claims.

❓How much does it cost to hire ACA?

There are no upfront costs. We typically charge a small percentage of the final settlement. 

❓How do I get started?

Call us at (888) 869-4114 or email PaulG@aca.claims to schedule a free consultation. We'll review your situation and guide you through next steps.