About Royal Adjuster

Our Founder’s Story

It was a beautiful day in April 2011. My wife and I were taking the kids out to eat. As we headed over to the restaurant, I got a call from our alarm company. Our downstairs smoke detector was beeping, but it wasn’t the first time. Our downstairs smoke detector was fond of randomly going off (especially at 12 am!).

I told the company I would go home and turn off the alarm, as I was only 5 minutes away. When I arrived at my house, there was smoke and flames billowing out of the house. I called 911 and then ran inside to get my kids out. I knew there were no kids in the house, but my brain went into total panic mode and I forgot.

The inside was searing hot and black. Some parts of the downstairs were on fire, others were just black. The smoke was so thick. The floor buckled and I ended up downstairs with a shattered ankle. A neighbor pulled me out and I remember the fire chief pulling up. He ran around the house screaming “Code Ten” into his radio.

My neighbors were all watching. One of them ran to me with a phone saying, “The insurance company wants to talk to you.” As I was talking to whomever it was, a different neighbor ran over with her phone. This person says he’s the real insurance guy and the other place is a fraud. I remember at least 4 people coming over to me with their phones. Each one wanted to help, and I was overwhelmed.

I passed out and was taken to the hospital. While lying on a stretcher, another man approached. He was with a public adjuster and wanted me to sign. Creeped out doesn’t begin to describe how I felt. I didn’t even know what an adjuster was, but he sounded like he could help me. After I signed, numerous companies tried to get me to switch to working with them.

My Adjuster did his job. I can’t tell you how hard he worked, because there is no way of knowing. Did he really spend time going over the line items, or did he just follow the lead of the insurance company? I couldn’t tell you. When I called the insurance company a few times to ask questions, I was referred back to my adjuster company.

My public adjuster finally sat me down and said that the insurance company agreed on a number. However, he claimed that he needed to increase the percentage of his payment by 2% due to the “extra work” he put in. Since the total of contents and building was over $500,000, he was asking for an additional $10,000. I refused. When other people had fires or floods, I was asked to recommend this company, and I did. After all, they got me the money, and the numbers seemed very good despite the extra charge.

Almost a decade later, and I haven’t forgotten those feelings of helplessness, fear and frustration. I founded Royal Adjuster because I want to be there as an honest resource to help those in need during a time of crisis. Being a public adjuster is hard work, especially because insurance companies have excellent adjusters on their side. But as someone who has experienced the terror and confusion following a destructive event, I am passionate about providing the absolute best service possible. With the Royal Adjuster team, your claim is our priority. You’re not just another client. You are Royalty.

- Terry Cooper, Founder

The Royal Adjuster 5 Point Guarantee

We’ll understand the claim. It’s personal for us. Once you have signed with us, we’ll make sure that we understand what happened, and what’s needed to rectify the situation.
We’ll keep in touch with you. Our proprietary technology allows you to always see the latest updates. Prefer email? We’ll get back to you ASAP. Would you like a phone call? We’re here to talk. We work for you, and we will be there every step of the way.
We’ll keep your claim moving. At Royal Adjuster, we really treat you like royalty. You should not have to wait for your claim. Whether your claim is a multi-million claim or only a few thousand dollars, we’ll keep it moving. Many companies say a claim can take 3 to 6 months. We try to close claims in half that time.
We’ll take your claim seriously. We’ll stay on top of the insurance company from start to finish. We understand that this is your home, and we treat each claim as if it’s our own. Even after the claim is closed, we’ll be here if you have any questions.
We work for you. Dealing with a loss is hard enough without feeling out of the loop. You’re the captain of the ship. If you want detailed explanations regarding what we’re doing, we’ll provide them. If you just want updates, that’s fine also. We’ll also advise you regarding hiring a contractor, mitigator and more. There’s no extra charge for our advice.