QUESTIONS & ANSWERS

 
What is a public adjuster? 

An expert authority on claims adjustment that you can hire to assist you (the general public only) in preparing, filing, and settling: fire, hurricane, water and allied claims. 

Will I receive a more prompt and satisfactory settlement through a Public Adjuster? 

Yes, because they quickly obtain and evaluate all the facts to prepare your claim. Their vigilant and prompt service often preserve evidence that may otherwise be destroyed. The more thorough and complete the claim is the faster the accredited Public Adjuster can get it settled. 

Who normally retains a Public Adjuster? 

Lawyers, banks, accountants and business people as well as the general public frequently retain Public Adjusters. Once an insured has witnessed the skill and knowledge of a Public Adjuster, he or she rarely will attempt to settle an insurance claim without a Public Adjuster’s specialized assistance. 

Why can’t I prepare my own claim just as well by myself? 

It stands to reason that the Public Insurance Adjusters who make this their life’s work, can work more competently and expeditionary to prepare a claim than an average insured, who may have only one loss in a lifetime. A Public Adjuster’s training and experience enables him or her to prepare and file the necessary claims and forms expertly in order to gain the greatest advantage for you, the policyholder. 

Will my agent or broker act as an Adjuster on my behalf? 

Your insurance agent or broker serves you only in connection with your insurance coverage. He or she does not have the expertise or the experience necessary to give the same highly specialized service that a Public Adjuster offers you. 

Why should I hire a Public Adjuster to obtain what is rightfully due to me? 

Insurance companies are prepared to pay you what is due as they see it. The company’s adjuster is not supposed to be prejudiced and is usually fair to the policyholder. Obviously his or her first duty is to the insurance company he or she represents. A Public Adjuster’s first duty is to you and as your exclusive representative; they use their experience and knowledge to bring about the most favorable settlement. 

How much do Public Adjusters charge for their services? 

A Public Insurance Adjuster charges a small percentage of what they obtain on your behalf from the insurance settlement. Usually, their services will save you the cost of their fee, at the very least. Additionally, no up front fees are ever charged to you. The Public Adjuster supplies expert estimates, inventories and even engineer’s reports if necessary, and only collects a fee after you receive your settlement.