What is a Public Adjuster? was last modified: December 16th, 2024 by
What Is A Public Adjuster?
A Public Adjuster Provides Residential & Commercial Claim Help For Policyholders!
Many people ask “What is a public adjuster?” A public adjuster is an insurance claims adjuster that advocates for the policyholder in appraising and negotiating an insurance claim suffered by the property owner.
Public adjusters are licensed by the state departments of insurance and are the only type of claims adjuster that can legally represent the rights of a policyholder during the insurance claim process.
Why Hire a Public Adjuster?
When you experience a significant loss, such as a fire, flood, or storm damage, filing and negotiating an insurance claim can be a daunting task.
You may have initially felt that the adjuster was kind and helpful, but as the claim progresses, you may notice a shift in their attitude. They might start to push back on your claims or seem less receptive to your concerns. This can be frustrating and confusing.
If you’re experiencing this, you might consider consulting a public adjuster. You may have heard about public adjusters from friends, family, or online research. Obviously, your first question is, ‘What is a public adjuster?”
A public adjuster is most beneficial when it is clear that the insurance company will pay for a covered claim.
The public adjuster ensures that you, the policyholder, obtains the maximum you are owed for property damage.
Here are some key reasons to consider hiring a public adjuster:
Expertise and Knowledge: Public adjusters have in-depth knowledge of insurance policies, claims procedures, and industry standards. They understand the tactics insurance companies may use and can counter them effectively. They can identify potential coverage gaps and ensure you receive the maximum compensation possible.
Time-Saving: Filing and negotiating an insurance claim can be time-consuming and stressful. Public adjusters can handle the entire process, from initial documentation to final settlement, saving you time and effort.
Strong Negotiation Skills: Public adjusters are skilled negotiators who can effectively communicate with insurance adjusters and secure favorable settlements.
They can argue your case persuasively and present evidence to support your claim.
Detailed Documentation: Public adjusters meticulously document all aspects of the loss, including damages, inventory, and repair costs. This detailed documentation helps ensure that your claim is accurately assessed and that you receive fair compensation.
Peace of Mind: Knowing that a skilled professional is handling your claim can provide peace of mind during a stressful time. You can focus on recovering from the loss while your public adjuster works diligently on your behalf.
Primarily your public adjuster will
- appraise your damage
- prepare an estimate and other claim documentation
- read the policy of insurance to determine coverages,
- and negotiate with the insurance company’s claims handler.
3 Classes of Insurance Claims Adjusters
Staff Adjusters
Employed by an insurance company or self-insured entity.
Independent Adjusters
Independent contractors hired by the insurance company. Staff or Independent adjusters as listed above can only legally represent the rights of an insurance company.
Public Adjusters
Employed by you, the policyholder to ensure proper claim payment and coverage.
As you can see, there is a clear distinction between a claims adjuster, who works on behalf of an insurance company, and “what is a public adjuster,” who works on behalf of a policyholder.
Very Professional, Very Knowledgeable, Achieved Results!
“I, myself asked. ‘What is a public adjuster?’ I hired For The Public Adjusters, Inc. for the first time when I had a relatively minor water leak in the kitchen when my dishwasher malfunctioned. It had leaked water for hours onto flooring etc., we were not at home at the time. The insurance company was difficult and slow in responding and I wasn’t happy with the amount of money they were going to settle for.
For The Public Adjusters, Inc. really know their stuff and their experience with insurance laws far exceeds us amateurs. They negotiated a much fairer settlement, keeping me updated on their progress along the way, communicating with me via text, email and phone calls.
I am happy that I hired them and they were able to achieve the settlement that I thought was fair! They did a great job and their professionalism and knowledge achieved the results I was looking for!”
Donald S.
What is a Public Adjuster? was last modified: December 16th, 2024 by