What is a Public Adjuster?
A Public Adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of records, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process
Shouldn't I Just Assume The Insurance Company Adjuster Will Take Care Of Me?
While most insurance company adjusters would like to be fair, not too many people can serve two masters. It is very easy and very common for even the most honest adjusters to underpay a claim. The reasons for this can be poor training, too heavy of a workload, and a bureaucracy that is motivated by profit.
Why Not Let A Contractor Handle My Claim?
Insurance policies are complex and most contractors are not used to dealing with the issues of depreciation and co-insurance. In addition, contractors will low-bid a project in hopes of securing a job. A situation that will only limit your settlement. In Texas and several other states, it is illegal negotiate an insurance claim, unless you have a license to do so. This is called "Unauthorized Public Adjusting" (UPPA) and can cause the insured very serious problems.
Why Not Handle The Loss Myself?
Generally, the more thorough and complete the claim investigation and evaluation, the higher the settlement will be. We meticulously inspect the loss site and document the damages. Having a professional who is looking out for your best interests and who understands the "tricks of the trade" is invaluable. The insurance company representative is usually instructed to reduce the value of the claim and ignore portions of your claim unless you know how to present the claim in the way the insurance company will concede to or cannot challenge.
Will I Still Be Involved?
We work as your in-house claims department. In preparing estimates and inventories, we consult with you to put together a loss package before conferring with the insurance company. No final settlement will be made without your approval.
How Are You Paid?
We receive a small contingency fee based on the recovery.