Frequently Asked Questions
- What is a Public Adjuster?
- Why do I need a Public Adjuster?
- Won't my Insurance Company provide me with an Adjuster?
- Will my Insurance Claim be settled Quicker?
- How long will it take?
- Am I guaranteed I will obtain a larger settlement by using your company?
- How much will it cost me and how are you paid?
A Public Adjuster is a Licensed & Bonded Claims Professional. Public Adjusters work only for the policyholder. They are not controlled by the insurance company with regard to settlement of your claim. A good Public Adjuster is knowledgeable in Construction, Repair Cost, Policy Language, Coverage, Insurance Laws and Regulations and a Skilled Negotiator. They often obtain larger settlements, speed up the claims process and know the information needed by your insurance company to prevent an insurance claim bottleneck.
Most people take their car to an auto mechanic or dealer for repairs, have their taxes prepared by a CPA or other tax professional and call a Attorney when they have legal trouble. Abraham Lincoln once said " A lawyer who represents himself has a fool for a client." While that may sound harsh, the same can be said about handling your insurance claim on your own. In the last 90 Days in Florida alone there have been no less than 25 changes in In Insurance laws, Regulation, Building Code and Claims Settlement Procedures.
Advantages of using a public adjuster
Public Claims Adjusters know the insurance process inside and out, so they can minimize the hassle that comes with collecting documents and evidence, and then negotiating with the insurance company. The adjuster will file all your pertinent paperwork with the insurance company, arrange for the inspections of your damaged property if needed, and then haggle with the insurance company if it refuses to pay your full claim.
A good adjuster will also help control what you say to your insurance company. The adjuster will be forthright with your insurer, but won't divulge any information that might damage your case. Remember, the adjuster is your employee and will pursue your interests only.
Public claims adjusters know the insurance process inside and out.
Links to Publications Recommending the use of Public Adjusters
The insurance company adjuster is employed by the insurance company and that is where their loyalties are. They are paid by the insurance company and they must strike a balance between your interests and those of their company. A Public Adjuster works for a client's interests exclusively.
Yes, every Insurance claim is investigated by your Insurance Company & Adjuster, that's the reason they do not settle most of their claims over the telephone. The insurance company wants to see if all of the property you are claiming is really damaged and if any policy/coverage exclusions would apply to deny your claim. As mentioned above, a Public Adjuster knows exactly what information to provide your insurance company to prevent Claim Denials, Claims Delays and Underpayments.
As long as it takes to achieve the desired results. We are committed in satisfying you as our customer. Remember we work for you not the insurance company, we are not beholden to the insurance company for anything. We are conscious of the fact that if we do a good job you will likely refer us to your family, friends and co-workers.
Almost always. The more time we spend to thoroughly complete your claim, the larger your settlement will be. We meticulously Inspect, Photograph/Video the loss site and document the damages. On extreme losses where all or most of the contents are destroyed or lost, we will go over a variety of checklists with you to help recap, on a room by room basis, what was in the property at the time of the loss. Having a professional who is looking out for your best interests and who understands the "tricks of the trade" is invaluable. For example, please click the following link Success Stories to view insurance claims where individuals have tried to handle their claim on their own and the differences after we got involved.
State laws prohibits Public Adjusters in charging an hourly fee in most cases. Typically we are paid a small percentage of the settlement proceeds, on new claims this typically ranges from 8%-15% depending on the size and complexity of you loss. Our fee's are based on a contingency basis so if we do not recover a settlement there is no charge for our services.