Public Adjusters: What Are They & Do You Need One?

What Is A Public Adjuster?

A public adjuster is a licensed professional who advocates for policyholders in the insurance claims process, guaranteeing they receive a fair settlement for their losses. Unlike insurance company adjusters, who primarily represent the insurer’s interests, a public adjuster serves the policyholder, making them an important ally in maneuvering the complexities of insurance claims.

Public insurance adjusters possess specialized knowledge and skills to assess damages accurately and prepare thorough claims. They are well-versed in the intricacies of insurance policies and the claims process, which empowers them to negotiate effectively on behalf of their clients.

With a focus on maximizing the policyholder’s financial recovery, these claims adjusters meticulously document losses, gather supporting evidence, and submit detailed claim reports to insurance companies.

As advocates for policyholders, public claims adjusters play a vital role in leveling the playing field. Their expertise not only enhances the likelihood of obtaining a fair settlement but also alleviates the stress that often accompanies the claims process. By engaging a public adjuster, policyholders can confirm that their interests are represented and that their claims are handled efficiently.

Engaging a public adjuster can be particularly beneficial for complex claims or when time constraints create difficulties for homeowners. While their fees typically range from 10% to 20% of the settlement, the potential for higher payouts often justifies this expense. Understanding their functions and benefits can greatly impact your claims process and financial recovery.

Key Takeaways

Public adjusters are licensed professionals who advocate for policyholders in insurance claims, unlike insurance company adjusters who represent the insurer’s interests.
Hiring a public adjuster can significantly increase your settlement amount, as they possess expertise in navigating complex claims and negotiating with insurers.
Public adjuster fees typically range from 10% to 20% of the total settlement, aligning their interests with successful claim outcomes.
Engaging a public adjuster early in the claims process is crucial, as delays can negatively impact the documentation and overall outcome.
Ensure the legitimacy of a public adjuster by verifying their licensing and checking for adherence to state regulations and good faith conduct.

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What Does a Public Adjuster Do?

Public adjusters engage in a multifaceted role that involves evaluating damage, preparing insurance claims, and negotiating settlements to guarantee policyholders receive the compensation they are entitled to. Acting as advocates for the insured, public insurance claims adjusters provide expertise that can considerably influence the outcome of a claim.

The Primary Responsibilities Of a Public Insurance Claim Adjuster Are:

Damage Evaluation: Public adjusters conduct thorough inspections of the property to ascertain the extent of damage. They document findings through photographs and detailed reports, ensuring that all aspects are considered in the claim process.
Claim Preparation: After evaluating the damage, public adjusters meticulously prepare the insurance claim. This includes itemizing losses, calculating costs, and gathering necessary documentation to support the claim, which helps to present a compelling case to the insurance company.
Negotiation and Settlement: Once the claim is submitted, public adjusters take on the critical task of negotiating with the insurance company. They leverage their knowledge of policies and claims processes to advocate for fair settlements, ensuring that policyholders receive the maximum compensation possible.

Public Adjuster Pros And Cons

Evaluating the advantages and disadvantages of hiring a public adjuster can provide policyholders with critical insights into making informed decisions during the claims process.

One of the primary benefits of employing a public adjuster is their expertise in maneuvering through complex insurance policies and claims.

These professionals can maximize settlements by ensuring that all damages are accurately documented and valued, often leading to higher payouts than what policyholders might achieve on their own.

Additionally, hiring a public adjuster allows policyholders to alleviate the stress associated with claims management. The adjuster takes on the burden of negotiations with the insurance company, allowing clients to focus on recovery and rebuilding. This can be particularly valuable during emotionally taxing times following a loss.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

When Is It Too Late To Hire a Public Adjuster?

Determining the appropriate time to engage a public adjuster is vital for effective claims management. If significant time has passed since the incident without action taken, it may be too late to benefit from their expertise. Understanding the timeline for filing claims and knowing how to locate a qualified public adjuster can aid in making informed decisions.

When To Use a Public Adjuster

Understanding the ideal timing for hiring a public adjuster is essential, as delays can greatly influence the outcome of your insurance claim. Engaging a public adjuster early in the claims process can provide significant advantages, ensuring that all aspects of the loss are thoroughly documented and adequately represented to the insurance company.

Consider the following scenarios where hiring a public adjuster is particularly beneficial:

Complex Claims: If your claim involves extensive damage or multiple areas affected, a public adjuster can help navigate the complexities of your policy and the required documentation.
Disputed Claims: Should your insurance company dispute the claim amount or deny coverage, a public adjuster can advocate on your behalf, leveraging their expertise to negotiate a fair settlement.
Stress Management: If the claims process is overwhelming, employing a public adjuster can alleviate the stress of dealing with the insurance company, allowing you to focus on recovery.

How To Find a Public Adjuster

Identifying the right moment to engage a public adjuster is essential, but recognizing when it may be too late to do so can greatly impact the success of your insurance claim. Ideally, you should consider hiring a public adjuster soon after the incident occurs, particularly before any notable discussions with your insurance company. Waiting too long may limit your options, especially if damage assessments or negotiations have already commenced.

Once the insurance adjuster has completed their evaluation, your ability to contest their findings diminishes considerably. If you have already accepted a settlement offer, it is generally too late to enlist a public adjuster, as they cannot reopen claims or renegotiate terms. This is particularly critical for complex claims where the nuances of damage may be lost in initial assessments.

To find a public adjuster, look for licensed professionals with strong reputations, preferably recommended by peers or trusted sources. Research their experience with claims similar to yours and confirm they maintain a transparent fee structure. Ultimately, early engagement with a public adjuster can provide invaluable support and guidance, safeguarding your interests throughout the claims process.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Public Adjuster Fees: How Much Do Public Adjusters Charge?

Public adjuster fees typically range from 5% to 15% of the total insurance settlement, depending on various factors such as the complexity of the claim and the adjuster’s experience. This fee structure is designed to align the interests of the adjuster and the policyholder, incentivizing public adjusters to maximize the settlement amount.

Several factors influence the exact percentage charged by a public adjuster, including:

Claim Complexity: More intricate claims, such as those involving extensive property damage or multiple types of losses, often warrant higher fees due to the additional work required.
Experience and Reputation: Adjusters with a proven track record and significant experience may command higher fees, reflecting their expertise in guiding the claims process effectively.
Negotiation Skills: Skilled negotiators can secure higher settlements, justifying potentially higher fees based on the value they provide to the policyholder.

Understanding these fee structures is essential for policyholders considering hiring a public adjuster. It is important to weigh the potential benefits against the costs. For many, the expertise and advocacy provided by a public adjuster can lead to a substantially higher settlement, ultimately making the fee a worthwhile investment.

As you evaluate your options, consider not only the percentage but also the value of the services offered, ensuring you select a public adjuster who aligns with your needs and expectations.

How Do Public Adjusters Get Paid?

Typically, public adjusters are compensated through a percentage of the insurance settlement they secure for their clients, aligning their financial interests with successful claim outcomes. This commission-based model often ranges from 5% to 15% of the total settlement, depending on various factors such as the complexity of the claim and the specific practices of the adjuster. By tying their compensation to the results they achieve, public adjusters are incentivized to advocate vigorously for their clients, ensuring that they receive a fair and adequate settlement.

The payment structure is designed to provide clients with a sense of security, as they only incur costs when the adjuster successfully negotiates a favorable outcome. This can be particularly beneficial in situations where policyholders may feel overwhelmed or underprepared to handle the intricacies of their insurance claims. Public adjusters bring expertise, market knowledge, and negotiation skills to the table, which can ultimately lead to higher and more equitable settlements.

In addition to the percentage-based compensation, some public adjusters may charge flat fees or hourly rates for specific services, although this is less common. It is essential for clients to clearly understand the fee structure before engaging a public adjuster, ensuring transparency and alignment of expectations. By establishing a clear understanding of how public adjusters are compensated, clients can make informed decisions about their representation and feel confident that their interests will be prioritized throughout the claims process.

Are Public Adjusters Worth It?

Evaluating the effectiveness of public adjusters involves considering not only their potential to secure higher settlements but also the associated costs and the value they bring to the claims process.

The decision to engage a public adjuster should be informed by a careful analysis of various factors such as:

Potential for Higher Settlements: Numerous studies indicate that policyholders who employ public adjusters often receive settlements considerably higher than those who manage claims independently. This increased payout can offset the cost of hiring an adjuster, making their services financially beneficial.
Expertise and Experience: Public adjusters possess specialized knowledge in steering through complex insurance policies and claim processes. Their expertise can streamline the claims experience, ensuring that all aspects of the loss are thoroughly documented and presented to the insurer, which may enhance the likelihood of a favorable outcome.
Time and Stress Savings: Managing an insurance claim can be time-consuming and stressful. By delegating this responsibility to a public adjuster, policyholders can focus on recovery while the adjuster works diligently to advocate on their behalf. This alleviation of stress is a valuable aspect of their service.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Are Public Adjusters Legitimate?

The legitimacy of public adjusters is often questioned, yet they operate under strict regulations and licensing requirements established by state insurance departments. These professionals are licensed to represent policyholders in their insurance claims, ensuring that the rights of the insured are protected throughout the claims process.

The rigorous screening process for obtaining a public adjuster license typically includes background checks, examinations, and continuing education, which helps to maintain high standards of ethics and professionalism within the industry.

Public adjusters are required to adhere to state laws that govern their conduct, which includes the obligation to act in good faith and provide honest representation. This regulatory oversight not only fosters trust but also provides a framework for accountability. Many states also require public adjusters to carry liability insurance, further safeguarding clients against potential malpractice.

However, the perception of legitimacy can be influenced by individual experiences with public adjusters. Negative encounters may arise from misunderstandings or miscommunications regarding the role and limitations of a public adjuster. It is essential for policyholders to conduct due diligence when selecting a public adjuster, including verifying licenses and seeking references.

Ultimately, while some skepticism may exist surrounding public adjusters, their operations are legitimized by thorough regulations designed to protect consumers. By understanding the regulatory landscape and the responsibilities of public adjusters, policyholders can confidently navigate their insurance claims and make informed decisions about representation.

Should I Use a Public Adjuster?

Using a public adjuster can be a strategic decision for policyholders seeking to maximize their insurance claims, particularly in complex situations where understanding policy nuances and negotiating with insurance companies can be challenging.

Public adjusters serve as advocates for policyholders, ensuring that claims are handled appropriately and fairly. However, the decision to employ a public adjuster should be carefully considered.

Here are three factors to evaluate when deciding whether to use a public adjuster:

Complexity of the Claim: If your claim involves extensive damages, multiple policies, or specialized coverage, a public adjuster can provide the expertise needed to navigate these complexities. Their knowledge can be invaluable in ensuring every aspect of the claim is addressed.
Time and Effort: Filing an insurance claim can be time-consuming and stressful. If you lack the time or resources to dedicate to the claims process, hiring a public adjuster can relieve that burden, allowing you to focus on recovery.
Negotiation Skills: Insurance companies often have teams of adjusters working in their favor. A public adjuster can level the playing field, utilizing their negotiation skills to advocate for a fair settlement that reflects the true value of your loss.

What Percentage Does a Public Adjuster Take?

Public adjusters typically charge a fee that ranges from 5% to 15% of the total insurance settlement, depending on the complexity of the claim and the specific services provided. This fee structure is designed to align the interests of the adjuster with those of the policyholder; the more successful the adjuster is in negotiating a higher settlement, the greater their compensation. This approach can provide clients with a sense of reassurance, knowing that their public adjuster is motivated to secure the best possible outcome.

The percentage charged can vary based on several factors. For instance, straightforward claims may attract fees at the lower end of the scale, while more complex claims, such as those involving extensive property damage or complicated coverage issues, might warrant higher fees. Additionally, some adjusters may offer tiered pricing, where the percentage decreases as the settlement amount increases, guaranteeing that clients benefit from larger settlements.

It’s important for policyholders to understand that this fee is generally only applicable if the claim is successful. In many cases, public adjusters operate on a contingency basis, meaning they only receive their fee after the claim is settled. This model can alleviate the financial burden on clients, allowing them to access professional assistance without upfront costs.

Ultimately, when considering hiring a public adjuster, it is advisable to thoroughly discuss their fee structure upfront and ascertain that it aligns with your expectations and needs. This clarity can foster a strong working relationship built on trust and mutual objectives.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

How To Terminate a Public Adjuster

Determining how to terminate a public adjuster may become necessary if the relationship is not meeting expectations or if the claims process is not progressing as anticipated.

It is vital to approach this situation thoughtfully to guarantee a smooth changeover to a new representative, should you choose to engage one.

Three steps to effectively terminate your contract with a public adjuster:

Review the Contract: Before taking any action, revisit the agreement you signed with the public adjuster. Pay close attention to any clauses regarding termination, including notice periods and penalties. Understanding these details will help inform your next steps.
Communicate Your Decision: Once you have established your grounds for termination, communicate your decision in writing. This letter should be clear and professional, stating your intention to terminate the agreement and referencing the relevant sections of the contract. Be sure to keep a copy for your records.
Settle Outstanding Matters: After notifying the public adjuster, it’s important to address any outstanding issues. This may include settling fees for services rendered up to the point of termination. Confirm that you receive any necessary documentation and that all relevant information regarding your claim is transferred to your new adjuster.

What Is a Public Adjuster License?

A public adjuster license is a certification that enables individuals to represent policyholders in insurance claims, guaranteeing they navigate the complexities of the claims process effectively and legally.

This license is fundamental for anyone wishing to operate as a public adjuster, as it signifies a level of expertise and understanding of both insurance policies and state regulations.

Obtaining a public adjuster license typically involves meeting specific educational requirements, completing a state-approved training program, and passing a licensing examination. Each state has its own criteria, which may include background checks and continuing education to maintain the license. This rigorous process is designed to confirm that public adjusters possess the knowledge necessary to advocate for their clients effectively.

Public adjusters play a critical role in the insurance landscape, acting as intermediaries between policyholders and insurance companies. They assess damages, document losses, and negotiate settlements on behalf of their clients. Having a licensed public adjuster can greatly increase the likelihood of a favorable outcome in claims settlements, as they bring a wealth of expertise to the table.

Moreover, the presence of a licensed professional instills confidence in policyholders, who may feel overwhelmed by the intricacies of insurance claims. This trust is essential, as it fosters a sense of belonging within a community that values transparency and support during challenging times. Ultimately, a public adjuster license is not merely a credential; it is a commitment to serving the best interests of policyholders.

Are Public Adjuster Fees Tax Deductible?

Understanding the tax implications of hiring a public adjuster is essential for policyholders seeking to maximize their financial recovery following a loss.

The fees associated with public adjusters may raise questions regarding their deductibility on tax returns.

While the specifics can vary based on individual circumstances and local tax laws, there are general guidelines that can help clarify this issue.

Business Expenses: If you are a business owner and the public adjuster’s services relate directly to your business operations, these fees may be deductible as a business expense. This is particularly relevant for property damage claims linked to business assets.
Personal Losses: For personal claims, the deductibility of public adjuster fees can be more complex. In some cases, if the fees are incurred to recover a loss related to a federally declared disaster, they may qualify as deductible casualty losses, provided you meet specific criteria.
Documentation and Record-Keeping: Regardless of the scenario, maintaining meticulous records and documentation is critical. This includes retaining invoices from the public adjuster and any correspondence related to your claim, as this will substantiate your claim for deductions.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

FAQ

Will My Settlement Be Larger If I Hire a Public Adjusting Company?

In most cases, yes, hiring a public adjusting firm can result in considerably larger settlement amounts, with recent studies showing a 800% higher settlement amount for policy holders who used a public adjuster.

At EastBay Adjusters, we recognize that maneuvering through insurance claims can feel like treading through a stormy sea. We are here to safely guide you through those choppy & confusing waters, and make sure you get what you are truly legally entitled to.

3 reasons why hiring a public adjusting company like EastBay Adjusters can lead to a larger settlement for your insurance claim:

Expert Guidance: Our team of experienced public adjusters will navigate the complex waters of insurance claims on your behalf. We are experts when it comes to the ins-and-outs of the industry, and will guarantee that you receive the maximum settlement you deserve.

Protecting Your Interests: We work tirelessly to make certain that your rights are upheld, and that you are not taken advantage of by the insurance company. Remember, the adjuster assigned to you by the insurance company is there to protect the insurance company’s interets, while a public adjuster is there to protect your interests.

Maximizing Your Settlement: We will work diligently to maximize your settlement. Our expertise in evaluating damages, negotiating with insurance companies, and advocating for your rights will result in a larger settlement than if you were to navigate the claims process on your own.

So, if you’re wondering whether hiring a public adjusting company will lead to a larger settlement, the answer is a resounding yes nearly every time! Let EastBay Adjusters be the guiding light that leads you to a successful resolution of your insurance claim.

How Much Do Public Adjusters Charge?

Public adjuster fees varry by state, but typically range from 10%-20% of the total insurance settlement, depending on various factors such as the complexity of the claim and the adjuster’s experience. However, fees can go up to 30% for major or catostrophic claims that reqire months of work, and in most cases, an entire team of senior adjusters to be put on the case due to it’s complexity.

This fee structure is designed to align the interests of the adjuster and the policyholder, incentivizing public adjusters to maximize the settlement amount.

3 factors that influence the percentage charged by a public adjuster, include:

Claim Complexity: More complex claims, such as those involving extensive property damage or multiple types of losses, often warrant higher fees due to the extensive additional work, time, & team members required.
Experience and Reputation: Adjusters with a proven track record and significant experience may command higher fees, reflecting their expertise in guiding the claims process effectively.
Negotiation Skills: Skilled negotiators can secure higher settlements, justifying potentially higher fees based on the value they provide to the policyholder.

As you evaluate your options, consider not only the percentage but also the value of the services offered, ensuring you select a public adjuster who aligns with your needs and expectations.

When Is It Too Late To Hire a Public Adjuster?

As the saying goes, ‘Better late than never’ – but when it comes to hiring a public adjuster, timing can be vital.

Have you found yourself knee-deep in insurance claim paperwork after experiencing property damage?
Are you feeling overwhelmed by the insurance claim process?
Do you wish there was someone who could help you navigate through the complexities of filing a claim?

At EastBay Adjusters, we recognize the challenges that come with dealing with insurance claims for residential, commercial, or roofing damage. Our team of experienced public adjusters is here to help you every step of the way. Whether you’re just starting the claims process or feeling stuck in the middle, it’s never too late to reach out to us for assistance.

Imagine having someone by your side who knows the ins and outs of the insurance industry, someone who can advocate for you and guarantee that you receive the compensation you deserve. That’s where EastBay Adjusters comes in.

Don’t wait until it’s too late – contact us today and let us help you navigate the often confusing world of insurance claims. With EastBay Adjusters, you’ll never have to face the process alone.

Why should you hire a Public Adjuster if your insurance company has already assigned you an adjuster?

When your insurance company assigns you an adjuster, it’s crucial to understand that their loyalty lies with the company. In contrast, our licensed public adjusters are solely committed to representing you and your interests. This distinction is especially critical in cases of natural disasters like hurricanes.

Here’s why you should consider hiring a public adjuster:

Advocacy: Our public adjusters act as your advocates in insurance claims, making sure that your best interests are prioritized.
Increased Settlements: Studies show that claims managed with the help of a public adjuster result in settlements that are 700% higher for hurricane-related claims and over 500% higher for non-catastrophe-related claims compared to those negotiated directly between the policyholder and the insurance company.
Expertise: Having a skilled public adjuster on your side can greatly influence the outcome of your insurance claim, leading to more favorable settlements.
Peace of Mind: With a dedicated professional handling your claim, you can have peace of mind knowing that your interests are being actively pursued throughout the process.

The effectiveness and significance of hiring a public adjuster are clear. Don’t settle for less when it comes to your insurance claims – choose EastBay Adjusters to guarantee you get the best possible outcome.

Can I File My Insurance Claim Myself?

Filing an insurance claim on your own can be done, but it’s essential to contemplate if it’s the best choice. Insurance policies are often complicated and filled with jargon that can be difficult to grasp. This complexity might lead to misunderstandings or errors that could harm your claim.

Our expert Public Adjusters can assist you. They are industry professionals with the expertise and experience to effectively handle insurance policies and claims. Each team member comprehends the nuances of insurance documents and can smoothly guide you through the entire claims process.

With their expertise, EastBay Adjusters can advocate for you, ensuring your claim is presented in the best light possible. They excel at identifying and articulating the details of your claim that might otherwise be overlooked.

Their professional support can greatly impact the outcome of your claim, potentially resulting in a more favorable settlement compared to handling it on your own.

Although you have the choice to file a claim independently, due to the complexity of insurance policies and the potential for better outcomes, it is highly recommended to seek the assistance of our skilled and experienced Public Adjusters. Their expertise can be an essential asset in maneuvering through the claims process and achieving the best possible result.

3 Reasons To Choose EastBay Adjusters:

Expertise in residential, commercial, and roofing insurance claims.
Professional assistance in maneuvering insurance policies effectively.
Advocacy for a more favorable settlement outcome.

Can My Contractor Represent Me Against My Insurance Company?

As a policyholder, it is vital to understand why your contractor cannot represent you against your insurance company. Our team of licensed Public Adjusters are the only professionals authorized to advocate for policyholders in the insurance claim process. This unique role allows them to work solely on your behalf, guiding you through the complexities of insurance claims with expertise and legal backing.

In Texas, it is illegal for contractors to act as public adjusters. This rule is strictly enforced to uphold the integrity of the insurance claim process and safeguard policyholders from potential conflicts of interest or unethical behavior. If you come across a contractor posing as a public adjuster, it is your right and duty to report this violation to the Texas Department of Insurance.

When reporting such misconduct, it is important to provide substantial evidence to support your claim. Solid proof is key to enabling the Texas Department of Insurance to investigate and address the issue effectively, ensuring compliance with the laws governing the conduct of public adjusters and contractors. By taking action, you play a part in maintaining a fair and lawful insurance claim environment, protecting your interests and those of other policyholders in Texas.

Trust in our licensed Public Adjusters to represent you with expertise and legal authority.
Uphold the integrity of the insurance claim process by reporting violations promptly.
Provide concrete evidence to support your claim and enable effective investigation.
Contribute to a fair and lawful insurance claim environment for all policyholders in Texas.

I Already Settled My Claim, But It Wasn’t Enough Money To Cover The Damages. Is It Too Late To Try To Get More Money?

If you settled your claim but didn’t receive enough money to cover the damages, it’s not too late to try and get more. Our team of expert Public Adjusters can help, even if the damage occurred within the past five years. We offer a free review of your claim to see if you’re eligible for additional compensation.

During this evaluation, our skilled Public Adjusters will carefully examine every detail of your original claim. They will assess the damage, your coverage, and how the claim was handled previously. This review aims to identify any areas where you were under-compensated or where there were oversights leading to the denial of your claim.

If our review shows you deserve more money, we will take action. Our team will negotiate with your insurance company on your behalf, using our expertise to guarantee you get what you’re owed. We recognize insurance policies and the tactics used by insurance companies, empowering us to fight for your rights and secure a fair outcome.

Our goal is to reduce the stress of dealing with insurance claims, especially if you feel mistreated by your insurance provider. We provide professional guidance and support throughout the process, working to get you the compensation you deserve. Don’t lose hope if your claim was initially underpaid or denied; our expert Public Adjusters are here to fight for you.

Can My Insurance Company Cancel My Contract If I Use a Public Adjuster?

No. Under existing laws and ethics that regulate the insurance industry, it is your LEGAL RIGHT to hire a certified public adjuster. Canceling your contract for excercising your right, would be considered a violation & is illegal. An insurance company cannot terminate your policy if you hire a public adjuster.

Insurance Claim Types:

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.