- What can a public adjuster do for me?
- My insurance company has adjusters. Why can’t I use them?
- How is a public adjuster compensated?
- Won’t their fee cause me to come up short in my settlement?
- What if they are unable to secure a settlement for me?
- How can a public adjuster make that much of a difference?
- Why can’t my insurance agent or broker assist me with my claim?
- Will my insurance company recognize you as my representative?
- What type of claims can a public adjuster assist with?
- Why do I need a public adjuster to get what is rightfully mine?
- Is hiring a public adjuster worth the cost?
- If my claim has already been denied, can I use a public adjuster to try again?
- Isn’t an insurance policy a guarantee that you will receive what you are entitled to?
- Why not use an attorney to file my claim?
- Will I be kept informed?
What can a public adjuster do for me?
A public adjuster works to secure you the amount of restitution that you deserve for your property and its belongings. They can handle the entire process from beginning to end.
My insurance company has adjusters. Why can’t I use them?
Insurance company adjusters are not allowed to prepare a consumer’s claim. They are employed by the insurance company and work strictly on their behalf.
How is a public adjuster compensated?
They are paid a percentage of your recovery.
Won’t their fee cause me to come up short in my settlement?
This is a common misconception. Adjusters have the ability to recoup higher settlements than a homeowner would on their own. This means that even after a public adjuster’s fee has been deducted, the homeowner will generally net more than if they had not utilized their services.
What if they are unable to secure a settlement for me?
A public adjuster only receives compensation if you are paid. If no settlement is reached, the adjuster does not collect a fee.
How can a public adjuster make that much of a difference?
In the claims process, it is up to you to prove your losses. In the insurance world, there are various provisions and conditions in your policy that only apply in certain circumstances. Knowing which guidelines to use in each instance gives a public adjuster a huge advantage in securing you the most that you could hope to recover.
Why can’t my insurance agent or broker assist me with my claim?
There are two reasons why they can’t assist. One, they do not have the time or extensive training necessary to help in the highly specialized field of insurance adjusting. Two, since they are employed by the insurance company, they are sworn to have the company’s best interests at heart- not yours.
Will my insurance company recognize you as my representative?
Yes. You can easily authorize them to work on your behalf.
What type of claims can a public adjuster assist with?
A public adjuster can help with any type of loss including fire, theft, hurricane, explosions, windstorm, hail, etc. They are also able to help with losses with motor vehicles, inland marine equipment, business interruptions and more.
Why do I need a public adjuster to get what is rightfully mine?
Because when it comes to working out settlements on claims, homeowners and business owners typically do not know what is due them. That’s because of the difficulty and confusion associated with the claims process. A public adjuster is trained to handle these situations and knows exactly what needs to be done, and when, to get you the most on your claim.
Is hiring a public adjuster worth the cost?
Absolutely. After a disaster, times can become very stressful. During this period, you should be able to focus on rebuilding your life without having to worry about when, or if, you will be compensated for your losses. A public adjuster is a highly skilled professional who will fight on your behalf so that your life can make the transition back to normal much easier, and quicker.
If my claim has already been denied, can I use a public adjuster to try again?
Yes. As soon as you are denied, you have the right to enlist the services of a public adjuster to assist you with re-applying. As long as your claim is valid, they can re-open the case and fight to get you what you deserve. Don’t just take the word of your insurance company and don’t lose out just because the insurance company denied your claim. There are many ways that a public adjuster can present your claim.
Isn’t an insurance policy a guarantee that you will receive what you are entitled to?
Unfortunately, no. Since an insurance policy is a contract, it is open to interpretation, as well as negotiation. Insurance companies are in business to make these determinations in their favor. A public adjuster will work for what you are entitled to and ot what the insurance company speculates.
Why not use an attorney to file my claim?
Attorneys, while experts in the law, are not specialized in this area. This particular industry requires someone who does this type of work every day and is up to date on the constant changes and guidelines of the industry. Plus, an attorney will require a retainer before they even begin to start working and their hourly rates can be quite expensive. Even if you lose your claim, you will still end up with a bill.
Will I be kept informed?
Yes. It is imperative that the public adjuster keeps you informed since this is your claim and you have the final authority. They are available to answer any questions that you might have.