As the name suggests, a Public Adjuster is someone who exists for the public as an insurance claims handler. He or she is not an employee of any insurance company but is hired and represents the policyholder during the claim procedure. A professional Public Adjuster came in to being as a response to the need felt the Government to protect the public’s interest in the face of corrupt insurance practices. They are licensed the state Department of Insurance and operate under the law, like the attorneys and the broker of record. What is a Public Adjuster? In short, someone who works for you!
Their job description includes the i) assessment of the damage, ii) identifying the clauses in the coverage that corresponds to the damage, iii) preparation of an estimate, iv) establishing which claim documentation is required, and finally v) negotiating with the insurance company’s claims handler. A Public Adjuster’s goal is to ensure that the policyholder receives a just settlement and for this work, they receive a percentage of the settlement amount.
Why You Need a Public Insurance Adjuster for an Insurance Claim
When homeowners feel that they are being hoodwinked their insurance company and are being pressured to accept the claim settlement on offer, getting into the hassle of litigation may not be the solution. However, there is a ray of hope when they find out about the services of a Public Insurance Adjuster as they take care of everything from filing a new claim to fighting with their insurance company for underpaying or denying a claim. At Experienced Public Adjusters, we even assist with electronic filing of claims and electronic upload of documents.
Let’s look at some compelling reasons to hire an Experienced Public Adjuster:
We take all your worries upon our shoulders. We take care of the entire gamut – commencing with meeting the insurance company’s adjusters, studying your insurance policy coverage, collating the required paperwork, ensuring all photos are included, following correct insurance protocols, evaluating damages, and ensuring that you receive a fair settlement for the value of the home and personal property content lost. If required, we may invite experts in the fields of engineering, building construction, water and mold restoration, etc as the case may be, to advise us so that your claim is foolproof.
We understand insurance
For us, it’s not enough to know and understand the language and details of insurance policies but importantly knowing how insurance works. Besides knowledge of different products on offer various insurance carriers and the cost of the benefits that they give their customers, we are fully aware of the pitfalls. We are trained to read the fine print, look for details of exclusions and the perils mentioned in the coverage.
We know how to circumvent the loopholes that are created insurance companies and we have a surfeit of experience in the insurance companies’ ways of working. This intrinsic knowledge helps us file and adjust claims so that we are able to maximize a settlement. Whether the calamity is natural or human, we are always prepared.
We always share feedback and keep you in the loop.
When your entire life’s savings is at stake, you’re going to be very anxious. We understand your situation and we always work towards allaying your fears. Having had a bad experience at the hands of the insurance company, your nerves are already frayed so we ensure that you get complete peace of mind keeping you informed of the stages of your claim. You are in the center of all that we do, so we’re duty-bound to update you with the latest news about your claim.
We’re damn good at what we do,
We are called adjusters so it’s obvious that we know insurance as well as finance but we’re also experts at law, real estate and structural guidelines. When we can’t assist you directly, we understand the requirement of getting other experts on board like water and mold restoration services or smoke and fire damage specialists.
We are able to look at the inconspicuous damage, probe the matter and correctly identify the possibilities of involving other experts for further investigations. Insurance companies consider Public Adjusters as their adversaries as we’re able to pinpoint issues which they have overlooked and this naturally increases your payout. Our commitment to your cause is our driving force, and we have a track record of successful closures.
Above all, we work with integrity and do the right thing. We do what we say and say what we do. Our core values of Ethics, Integrity, Commitment to clients, Communications, Honesty, Unselfishness, Self-Discipline, Self-Respect, Accountability, Dedication to Others, and a Strong Work Ethic are our guiding principles.
For a truly worry-free claim experience, call an Experienced Public Adjuster today!