Category Archives: Public Adjuster

Public Adjuster, Private Adjuster or Loss Consultants work to solve insurance claims for you.

Tips on hiring a public adjuster

The time and energy required for documenting a property loss claim and negotiating with the insurance company for the settlement you deserve after you had just been through a fire, flood or other disaster, is more than most homeowners or business owners can take on. Hiring professional help will in most cases not just save the insured a lot of time, but will also result in a higher settlement.

Professionals that represent the insured in the claim process and negotiations with the insurance companies following a property loss are called public or private adjusters. Unlike insurance adjusters, which are hired by the insurance companies to evaluate the loss and also trained to save the insurance company money by paying out as little as possible, public adjusters are hired by the insured and represent them in the negotiations.

Like in any profession, the more experience the public adjusters, the better they will be able to handle the claim for a fair settlement. As in most states what a public adjuster can charge for his services is capped at a percentage of the settlement amount (usually 5 to 15%, depending on the type of claim), it makes a lot of sense to ask a lot of questions and do the homework before hiring one.

Some of the most important to ask  prospective adjusters are:

  1. Are they licensed in your state? As each state has its own regulations when it comes to the public adjuster business, make sure the person you are hiring has a valid license and is fully qualified to handle your claim.
  2. Are they going to handle your claim personally, or will they pass it on to someone else after the sign up?
  3. Can they give you past references that you could call up?
  4. How much experience do they have in processing insurance claims?
  5. Is he able to bring to the table experienced contact appraisers, building estimators, and other proffesionals that assure a of successful claim?
  6. Is he located in your area? As the claim process can be prolonged, make sure they will be available to meet with you as many times as necessary.
  7. What kind of success rate did they have in the past?

Taking the time in the beginning to check references, to make sure the public adjuster you hire is experienced and certified, and it brings to the table the right credentials, commitment and work ethic you are comfortable with, will assure a smooth working relationship and the best settlement you are entitled to.

Why hire a public adjuster?

If your property was damaged, you have a lot of things to deal with. Suppose your house was damaged in a fire. You may need to find a temporary place to live, to get clothes and other necessities for your family, and many other things. Or, even worse, maybe a family member was hurt: you will spend time at the hospital, worried and sad. At times like this, you hope dealing with your insurance company will be an easy and expeditious process.

But filing a claim takes time and energy, especially if you don’t have a record or receipts of your possessions and their value.  Also, you may find out, that the amount the insurance is paying is much less then what it takes for you to rebuild your home and replace its furnishings.  Moreover, to your frustration, you may find the check delayed, and your family’s dream of getting back to normal, postponed.

At times like this, working with a public adjuster can be a god send.  Besides assuming the responsibilities of getting your claim filled and processed, the adjuster will have all the necessary expertise to assure you are not getting the short end of the stick, while also keeping on top of things for a timely payout.

But hiring an adjuster is not as easy as it may seem.  You want to hire a leading public adjuster, not just because you want your claim processed timely and efficiently, but also because your insurance may be antagonistic to someone inexperienced, who exaggerates the claims and doesn’t have the experience, thus making the whole process harder instead of easier, for everyone involved.

We made the process on how to hire an public adjuster easier for you.  By choosing an adjuster from our leading public adjusters directory, you know you are working with competent, experienced and qualified public adjusters, that will do their best to help you and your family get a fair and timely settlement.

Foolproof your property against claim denials from your insurance company

Ideally, before your home or business is damaged, you have had the chance to properly document the condition of your property. Most commonly, when insurance companies deny a claim, it is because the home or business owners failed to maintain accurate records to prove the condition of their property before the storm. For example, if you have installed a new roof 5 year ago that was guaranteed for 30 years, you will need to prove that your roof was in excellent condition and show proper documentation about its warrantee, or your insurance company depreciate the roof a lot more, as if it had a 10 years warranty and was in poor condition. In many cases, the insurance companies will reply with a claim denial for reasons like “pre-existing condition” or “failure to maintain”. What this means, is that they ‘believe’ your property was damaged before the event. The best way to avoid these scenarios is by thoroughly documenting the condition of your property ahead of time.

Most insurance companies will encourage you to take a home inventory. It is of course an excellent idea. It is easy enough to do, and will save a lot of hassle later on. However, they don’t really explain how to properly document the condition of the most expensive items in your home or business, like your windows and doors, your roof, kitchens and bathrooms, etc. Make sure you save recipes from any upgrades in a safe place. And take lots and lots of pictures.

Also, if your losses were substantial, don’t hesitate to talk to a professional loss consultant to avoid an insurance claim denial. Find a leading private property adjuster in our directory, and let them help you get the settlement you deserve.

For business or residential Property Damage, hire a Public Adjuster!

Public Adjusters are private insurance adjusters representing the policy-holder, not the insurance company. As consumer advocates, loss consultants and claim specialists they will estimate the amount of loss you sustained, file your insurance claim, and negotiate your insurance settlement maximizing your claim recovery. Most Public Adjusters work on a contingency basis, and work for a percentage of the claim.
Most of the time the settlement obtained through a Public Adjuster is much higher than a settlement received without the help of a Public or Private Adjuster.

Public Adjusters usually handle all types of property claims, like: fire, wind, storm, tornado, flood, mold, lightning, sinkhole, collapse, hidden decay, structural damage, business interruption if its a commercial property, denied claims, and sometimes are able to re-open claims.

Some Private Public Adjusters specialize in only residential cases, but other Public Adjusting companies handle all types of losses such as: Residential, Condominiums, Business, Restaurants, Franchises, Apartment complexes or Apartments, Warehouses and storage buildings, and almost all other property insurance claim.

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.