#286 - How to maximize a property insurance claim with a public adjuster - Andy Gurczak

2025-08-06

Joining us on this episode of Living Off Rentals is someone who helps property owners navigate one of the most stressful (and misunderstood) parts of real estate investing: insurance claims. Andy Gurczak is the founder of AllCity Adjusting, a public adjusting firm that advocates on behalf of property owners to ensure they get the full payout they're owed—not just the first offer the insurance company throws at them. In this conversation, Andy breaks down the difference between public adjusters and insurance company adjusters, when to bring a public adjuster on board, and why most o...

Joining us on this episode of Living Off Rentals is someone who helps property owners navigate one of the most stressful (and misunderstood) parts of real estate investing: insurance claims.

Andy Gurczak is the founder of AllCity Adjusting, a public adjusting firm that advocates on behalf of property owners to ensure they get the full payout they're owed—not just the first offer the insurance company throws at them.

In this conversation, Andy breaks down the difference between public adjusters and insurance company adjusters, when to bring a public adjuster on board, and why most owners unknowingly leave tens of thousands of dollars on the table.

If you're a rental property owner, this is a must-listen conversation that could save you serious money when disaster strikes.

Enjoy the show!

Key Takeaways:

[00:00] Introducing Andy Gurczak and his background

[02:22] What a public adjuster is and how they differ from insurance company adjusters

[04:49] What to do if your rental property burns down and any kind of other peril?

[06:40] Why you shouldn't let your contractor handle the insurance claim

[09:40] How their fee structure works

[13:15] Why insurance companies don't offer fair compensation upfront

[16:05] Common mistakes property owners make when filing a claim

[20:21] Specific coverages to look for when buying insurance

[23:28] Navigating major storm damage claims and the "games" carriers play