Frequently Asked Questions
About Public Adjusters
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Who do you represent?
We are public insurance adjusters who represent you, the
insurance policyholder who has experienced a covered
insurance loss.
Why do I need to hire a
public insurance adjuster?
The insurance adjuster represents your insurance
company, not you. His allegiance is with his employer
while a public insurance adjuster’s allegiance is with
you. We are thorough and we work for you.
Reporting a “non-covered” claim will affect your
insurance premiums and I’m sure you already pay enough.
A free thorough inspection by a licensed public
adjuster could prevent you from making a costly mistake.
Do I need a public insurance
adjuster?
You will, especially
if the losses are substantial. For example, you wouldn’t
need a Public Adjuster for a small claim like one broken
window. This type of loss will likely be less than your
policy’s $500-$1,000 deductible. On the other hand, you
will need a Public Adjuster if the insurance company has
denied your claim or if the settlement seems low. It’s
important to get a Public Adjuster’s opinion before
reporting your claim, remember, you might not even need
to make a claim with your insurance company. Our
inspections and consultations are always FREE.
Why risk it?
What about my insurance
agent – shouldn’t he represent my interests?
While your insurance agent is likely a nice person and
highly skilled in finding an insurance policy that meets
your needs, your agent is not trained (and most likely
not licensed) in the field of public insurance
adjusting. Not only that, insurance agents are often
employed by the insurance company. Those that are
independent may not be employed by the insurance
company, but they are paid commissions by them, so
there’s an inherent conflict of interest.
Will you help me receive a
faster, more satisfying insurance settlement?
It’s not unusual for our clients to receive larger
insurance settlements – and receive them faster than
expected. Our public insurance adjusters are prompt and
thorough. We take great care in preparing your claim,
documenting the damage, and preserving evidence.
Insurance companies tend to settle complete and thorough
claims much faster than those that are missing forms or
information.
Can’t I negotiate with the
insurance company myself?
How good are you at estimating building and
reconstruction costs? Do you know your local building
codes? How
well do you understand your insurance coverage’s and its
exclusions? How confident are you in your negotiation
skills? How much do you enjoy filling out insurance
claims forms? Sure, you could attempt to negotiate a
better settlement offer. However, if you’re serious
about getting a larger settlement, you’re better off
with a professional who specializes in insurance
adjusting.
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