No. You’ll never pay us out of pocket. Our fee only comes from new money we help recover after you hire us.

More you might wonder:

• Do I need to give you a deposit? No — nothing upfront is required.

• What if my claim is denied? Then no new money is recovered and you owe us nothing.

Our fee is a percentage of the new money recovered after you sign. Each time your insurance company issues a check, our percentage applies only to that recovery.

More you might wonder:

• If no money comes in, do I still owe you? No — no recovery means no fee.

• Is the fee ever capped? Yes. In Florida, if the claim is tied to a Governor-declared state of emergency and you hire us within one year, the fee cannot exceed 10%.

• Why a percentage instead of an hourly rate? This ties our compensation directly to the results we achieve for you.

At the same time your insurer issues payment. Our fee comes directly from each check — you never cut us a separate payment.

To speed things up, TrueHaven uses iink, a secure platform that lets mortgage companies sign off electronically instead of mailing checks back and forth. This usually cuts weeks of waiting down to just days.

More you might wonder:

• Why is my mortgage company on the check? If you have a mortgage, your lender is added as a payee and must endorse the check — iink just makes it faster.

• Does TrueHaven or iink hold my money? No. You remain in control of the funds; iink only facilitates signatures and transfers.

• Will this delay paying my contractor? No — it speeds it up by moving approvals online.

Your contract authorizes the insurance company to include “TrueHaven Claims Consulting, Inc.” as a co-payee on settlement checks. This is standard practice in public adjusting. It simply ensures our agreed-upon percentage can be paid smoothly and also helps us coordinate with your mortgage company if their endorsement is required.

More you might wonder:

• Does this mean TrueHaven controls my money? No. You remain the owner of the funds. Being listed as a co-payee just guarantees our percentage is handled correctly — it doesn’t give us control over how you use your settlement.

• Will this delay my repairs? No. With iink electronic processing, having our name on the check actually helps speed up the endorsement and payment process so your contractor can be paid faster.

• Why not just bill me separately? Handling fees directly from settlement checks protects you from surprise invoices or payment disputes. It keeps the process clean, simple, and fully tied to the results we achieve for you.

Only if special experts are needed (like engineers). These are never charged without your written approval.

More you might wonder:

• Who decides if an extra expense is needed? We’ll explain why it helps your claim before you authorize it.

• What if no new money comes in? Then you don’t owe for those expenses either.

• Do you mark up outside costs? No. They’re billed at cost, only with your approval.

No. If no new money is recovered after you hire us, you owe nothing.

More you might wonder:

• What about expenses you advanced? Those only apply if new funds are recovered. If there’s no recovery, you don’t reimburse us.

Yes. Every state gives you a cancellation period where you can back out with no penalty.

More you might wonder:

• How do I cancel? Just send us written notice within your state’s timeframe.

• Why is there a cancellation window? State law gives you a short period to change your mind if you feel pressured or unsure. After that, we take the lead and keep your claim moving forward.

You can still terminate the contract, but you may owe for authorized expenses and for the reasonable value of the work we’ve already done.

More you might wonder:

• Could that be the full fee? Yes, depending on how far along we are and whether our work led to your insurer paying you.

• Will you keep working if I’m unhappy? We’ll always try to resolve concerns first, but you do retain the right to terminate.

No. If your insurer pays, or puts in writing that they will pay, the full policy limit within 72 hours of the loss being reported, we do not charge our percentage fee.

More you might wonder:

• Do you charge anything at all in that case? Only reasonable compensation for the actual time spent and any approved expenses (like inspections) before the insurer issued payment.

• Why don’t you take the full fee? Because in that situation, the insurance company paid the maximum benefit right away — there was no negotiation or adjustment required. By law, we can’t and won’t charge a percentage when our services didn’t directly increase your recovery.

Yes. All named insureds on the policy must sign.

More you might wonder:

• What if one person is unavailable? The available insureds can sign and notarize an affidavit confirming they have authority to act for everyone.

• Why so strict? This protects all policyholders by ensuring no one’s rights are affected without consent.

Yes. Once you authorize us, we take over communication with your insurance company. This keeps everything streamlined and ensures your claim is presented accurately and consistently.

More you might wonder:

• Does that mean I can’t talk to them? You technically can, but it’s best to let us handle all communication. When multiple voices go to the insurer, it can cause confusion, delays, or even harm your claim. To protect you, direct all insurer contact to TrueHaven.

• Why is this helpful? Centralized communication shields you from pressure tactics, avoids mistakes, and ensures every step is documented and strategic.

• What if the insurer calls me anyway? Just let them know you have a Public Adjuster and refer them to TrueHaven.

We handle the adjustment of your claim from start to finish. If legal steps like appraisal, mediation, or litigation become necessary, we’ll coordinate next steps and bring in the right professionals — so you never have to navigate it alone.

More you might wonder:

• Will I need to find my own attorney? No — if legal action is needed, we’ll recommend trusted professionals who specialize in this work.

• Do I lose the work TrueHaven already did? No. Everything we’ve documented, from photos to estimates to carrier correspondence, is turned over to your attorney so your case starts strong.

• Do most claims go that far? Not usually. The vast majority of claims are resolved during adjustment or appraisal without ever reaching litigation.

• Why not handle it myself? These processes are highly technical. Keeping TrueHaven at the center ensures you’re protected and your claim stays consistent.

Your main role is to stay in touch with us and provide accurate information. We handle the carrier communication, paperwork, and negotiations.

More you might wonder:

• Do I need to attend meetings or inspections? Rarely. If your presence is required, we’ll let you know, but we usually handle these directly.

• Why keep us in the loop? Because we can only protect you fully if we’re the single point of contact with your carrier.

You do. You are free to hire any contractor you trust. TrueHaven is not affiliated with any contractor.

More you might wonder:

• Does TrueHaven recommend contractors? We may provide referrals, but you always choose.

• Do I need to update the insurer myself once I choose a contractor? No. Tell us, and we’ll update the carrier if needed. That way, everything stays documented and coordinated through us.

Our fee only applies to the additional money recovered after you sign with us.

More you might wonder:

• What if the insurer already made an offer? Our work focuses on getting new or supplemental funds beyond that amount.

Yes. You'll also sign a Letter of Authorization (LOR) allowing us to communicate with your insurer.

More you might wonder:

• Do I sign over my policy? No — you’re simply authorizing us to act as your licensed adjuster for this specific claim.

No. No adjuster can promise a specific settlement amount.

More you might wonder:

• So why hire you? Because we bring expertise, documentation, and negotiation skills that often result in higher and faster settlements.

• What’s the risk to me? None — if no new money is recovered, you owe us nothing.