Monthly Archives: December 2009

Public Adjusters handle claims other than Fire?

Yes, Public Adjusters are licensed to handle all types of property loss claims against your insurance company, as well as any contingent expenses, like loss of use, business loss of income, and other expenses. A good Public Adjuster is an expert in all types of loss, including windstorm, explosion, snow, hail, smoke, water damage, damage to structures by motor vehicles, inland marine, business interruption, rentals, improvements and betterments, commission and profits, reporting forms and others.

Hire a leading Public Adjuster immediately

When hiring a leading Public Adjuster immediately after a loss, they can advise and assist you each step of the way, avoiding all the possible pitfalls. All policies require that you report the loss as soon as possible to the insurance company and take steps to preserve property from further damage, including theft. Failure to comply with these obligations may limit or completely void your coverage. A Leading Public Adjuster will help you do that and much more, helping you recover the maximum amount you are entitled to.

What is a Public Adjuster?

Public Adjusters, also called Private Adjusters or loss consultants, are professionals employed by an insurance policyholder who has endured a property loss. They handle all details of the insurance claim, working closely with the insured to provide the most equitable and speedy settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

A Public Adjuster advocates for the insured property owner, not the insurance company. They help the homeowner, business owner, condo owner, renter or anyone else who has suffered a property loss, negotiate with the insurance company and file insurance claim properly, to increase the odds of a favorable settlement.

A Public Adjuster can take care of all aspects related to filling the claim, so you get back to your life and conducting your business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs.

Public Adjusters know the insurance business inside and out and are familiar with all the forms and procedures so they can work quickly to expedite and maximize payments.