The Reverend Ray Cross knows everything about fighting for every single cent. Three years ago, the Baptist minister lost his home when his neighbour's house blew up. Cross and his wife survived the explosion, only to be end up in a battle with their insurance company. The Cross' got help in that battle from an unusual source. They hired a public adjuster.
Public adjusters are a rarity in the insurance industry.
Most adjusters work for insurance companies. Public adjusters work exclusively for policy holders. There are fewer than ten public adjusters in Ontario. Bob Watson and Steve Kay work for the same company. They're paid a percentage of the final settlement, anywhere from eight to 15 percent.