A Happy Adjuster is an independent insurance professional who works for you, not the insurance company. We’re here to help you understand your coverage, identify risks before they turn into major issues, and guide you through the claims process with clarity and care. But more than that — each Happy Adjuster is, well… happy.
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Unlike many adjusters in the industry who are burned out, overworked, or jaded from years of corporate red tape, our adjusters genuinely enjoy what they do. They’re happy to help, happy to serve, and happy to make the process smoother and less stressful for you and your family. That positive energy makes a real difference when you’re going through something hard.

And while some professionals in the claims world may be motivated by maximizing payouts for their own benefit — especially in models where bigger claims mean bigger commissions — that’s not who we are. We’re not public adjusters. Our focus is on clarity, fairness, and support. We guide you through your claim with integrity, helping you make informed decisions without pressure, exaggeration, or inflated estimates. Just honest help, from people who know how the system works — and want to use that knowledge for your good.

No — we work for you. But here’s the powerful part: most of our Happy Adjusters have years of experience working inside the insurance industry. We know how the process works, what the companies look for, and how decisions really get made — because we’ve been on the inside.

That means you get expert-level guidance from someone who’s played the game and knows exactly how to navigate it. We use that experience to your advantage — helping you avoid common traps, speak the language adjusters understand, and make sure your claim is taken seriously.

So no, we don’t work for the insurance company. But we know how they work — and that’s what makes us one of the best resources you can have on your side.

Generally, homeowners insurance does not cover the replacement of the water heater itself — especially if it failed due to age or normal wear and tear. However, it may cover the cost to repair or replace damaged floors, walls, or cabinets caused by the water.

Many homeowners never know until it's too late — and that’s where we come in. We help review your estimate, compare it with the actual damage, and identify missing or undervalued items related to your water heater loss. This way, you can move forward with confidence and avoid surprises.

That’s totally fine — we can still step in and help. Many homeowners come to us after a claim is already underway, often because things don’t feel right or they’re not sure what to do next.

Unfortunately, it’s common for insurance company adjusters to miss or overlook damage — not always on purpose, but because they’re often overworked, rushed, or inexperienced. In many cases, the initial payment you receive is based on an incomplete picture. Adjusters are under pressure to close claims quickly and meet internal metrics, which can lead to incomplete assessments that leave you short of being fully restored to your pre-loss condition.

We step in to review everything with fresh eyes. We take the time to walk through the full scope of damage with you, help identify what may have been missed, and give you the clarity and confidence to pursue what you’re truly owed under your policy. You don’t have to settle for “just enough” — and you don’t have to navigate this alone.