Frequently Asked Questions
What is a Public/Private Adjuster?
A Public/Private Adjuster is an insurance claims adjuster who advocates for the policy holder in appraising and negotiating an insurance claim. A Public Adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
What is the difference between a Public Adjuster and an Insurance Company Adjuster?
The insurance company adjuster or independent claims adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.
A Public Adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. Public Adjusters are experts in reading the fine print and understanding your policy, coverage and the insurance company responsibilities in order to negotiate a more favorable settlement.
When should I call Your Private Adjuster?
You should call us 1-800-892-1116 immediately after a loss. It is most beneficial for all parties when Your Private Adjuster is involved at the beginning of the claim development in order to set the tone for the entire claim & settlement process.
How does a Public Adjuster prepare a claim?
Public Adjusters are skilled negotiators, who use the services of appraisers, engineers, accountants and other experts as needed. Every tangible item lost or damaged is listed with its purchase price and date of purchase. An assessment is made of its condition at the time of the loss. We also consider its replacement cost and any diminished value due to obsolescence. We also consider any restoration costs to restore an item to its condition prior to loss. These restoration costs include repairs and cleaning.
Your Private Adjuster will make a thorough inspection of the site. We will document the damage using photos and video where appropriate. Our critical analysis of any damage includes the underlying structure and utility services. We go beneath the surface to assess the full extent of the damage.
Following the inspection we prepare a listing of all materials which includes the replacement pricing. Your Private Adjuster will also include any contracted services needed to complete the restoration and repairs needed to bring the property back to within the current building codes. The cost of specialized services (if needed) are also included.
If my claim has been closed by the insurance company, is it too late to hire a Public Adjuster?
Usually, it is not too late. Most state laws allows a few years to file a supplemental claim from the date of loss. If you believe you were not paid the right amount, and would like us to review your claim, please contact us 1-800-892-1116. We will carefully audit and analyze your claim and provide our professional opinion.
My claim was denied, am I entitled to a second opinion?
Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.
Will I get a higher settlement if I hire a Public Adjuster?
Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.
Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage. Studies have clearly demonstrated that most inventories compiled by insured without the help of the Public Adjuster are very incomplete.
Who uses services of Public Adjusters?
Public Adjusters are hired by individuals, business, municipalities and professionals including: attorneys, banks, accountants, business owners, insurance adjusters and agents for their own losses. Once a person has experienced the benefits of Your Private Adjuster services, they will rarely attempt to settle a claim without our help.
Will my insurance company cancel my contract if I hire a Public Adjuster?
No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by your state.
How do I know I need your services?
A consultation is free and without obligation. Please feel free to call us at 1-800-892-1116 and set-up an appointment to discuss your claim.
Is there any minimum value requirement for a claim?
We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call (1-800-892-1116) to discuss your claim and we will provide our professional opinion.
What is the cost for hiring a Public Adjuster?
The standard fee for public adjusting services is a small percentage of the amount recovered from the Insurance Company. These fees are generally regulated by the State in which the loss occurred.
Who regulates a Public Adjuster?
A Public Adjuster is an insurance adjuster expert, who is licensed and certified by the State to work exclusively for the benefit of the policy holder.