Putnam County, Indiana
Cloverdale, IN Fire Public Adjuster: $108,726 in Replacement Cost on a Fire and Water Claim
After a house fire in Cloverdale or anywhere in Putnam County, your insurance company already has an adjuster working for it. Claim Management Adjusters (CMA) works for you. We are a licensed Indiana public adjusting firm based in Hartford City. On one Cloverdale fire and water claim, we documented $108,726 in replacement cost, most of it in the family’s belongings.
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A real Cloverdale claim we handled
This is a summary from a CMA claim file. Names, addresses and claim details are left out to protect our client. Every claim is different, and past results do not guarantee a future outcome.
April 2025 fire with water damage
We were hired about two weeks after the fire. We built the personal property inventory as the family sent us more items, submitted it to the insurer, and followed up when the contents review went quiet. We also wrote our own fire estimate for the home to support the proof of loss.
Result: Replacement cost reached $108,726: $85,397 for contents and $23,329 for the dwelling.
What we do on a Indiana claim
- Inspect the whole home and document fire, smoke, soot and water damage.
- Write our own estimate and compare it line by line with the insurer’s.
- Build and price the contents inventory room by room.
- Push for advances and undisputed payments while the rest is reviewed.
- Track replacement-cost deadlines so depreciation is recovered.
How we get paid
There is no upfront fee. We are paid a percentage of what the claim pays, under a written contract you sign before we start.
Claim Management Adjusters is a licensed public adjusting firm, not a law firm. This page is general information, not legal advice. Your policy language controls your coverage.