Here are examples of some common questions homeowners and business owners have
regarding Public Insurance Adjusters. We will update this page frequently, so be sure to check back!
Q: What is a Public Adjuster?
A: A Public Adjuster is a licensed
and bonded professional who has expert knowledge on loss adjustments.
Q: Who do they work for?
A:
They work for the general public, the first name insured, to assist in preparing,filing and negotiating equitable settlements
of Insurance Claims
Q: Are Public Adjusters affiliated in any way with the Insurance Companies?
A: No, they work exclusively for the policyholder(the first named insured) and not the insurance company
Q: Why should I hire Public Adjuster?
A: We work for our clients exclusively. Our primary purpose is to protect their interests after a loss.
Q: How does a Public Adjuster differ from an Insurance Companies Adjuster.
A: An Insurance Company Adjuster,Staff Adjuster, is employed by the insurance company and this is where
their loyalties are. He must strike a balance between your interest and those of his company. We work for our clients best
interests exclusively.
Q: How do I benefit from the services of a Public Adjuster?
A: We know what is rightfully due to you after a loss, Do you ? We are your exclusive representatives.
With our experience and knowledge, we are far more capable in settling your claim so that you receive a fair, favorable
and satisfactory settlement.
Q: What is Indemnity?
A: It is part of your insurance policy and contract. It is the principal of restoring and or reimbursing
one to the extent of their loss.We make sure that the Insurance Companies adhere to this.
Q: Why should I hire a Public Adjuster?
A: Public Adjusters are skilled professionals who have a vast knowledge of
insurance policies,co-insurance,depreciation,inventories,building damage assessments,repair and replacement costs and negotiation
skills all of which are necessary to secure and obtain the maximum recovery from your policy after a loss.
Q: Why do I need help?
A: The typical insurance policy contains many provisions,complex details and technical language. There
are requirements and complicated procedures one must adhere to, otherwise your claim may not be maximized or even worse it
may get denied. In most cases the" burden of proof" is on the insured after a loss
Q: Why shouldn't I prepare my own claim, after all "I went to college" is what some people say!
A: It stands to reason that Public Adjusters who are professionals in their field are better equipped because they
do this everyday. They can do this more competently and efficiently than the insured.
Q: Will my loss be settled quicker if I hire a Public Adjuster?
A: Public Adjusters know exactly what to provide to the insurance company in order to expedite the settlement
of a claim. Inspections are done immediately,estimates are prepared,inventories completed and time elements are implemented.
When properly addressed, it is evident that any delays will be avoided.
In Summary:
Public Adjusters complete a precise, detailed estimate of what is required to repair or rebuild a structure.
With your help and by providing us correct documentation and in determining the ages and descriptions
of your property and contents the public adjuster can then evaluate and determine the current values.
Prepare and submit losses such as Business interruption, Loss of Rent/s, Additional living expenses
Establish and maintain lines of communication with the insurance adjuster.
Meet and negotiate with the insurance company adjuster whereby obtaining you a fair and equitable settlement on
your loss that is acceptable to you.
Remember the Public Adjuster works exclusively for you and is on your side!
