What exactly do public adjusters do?

Wondering what's involved in the career of a licensed public adjuster? To start off, there is a license required for the job, appropriately named the public adjuster license. For the most part, it has different requirements depending on the state and public adjusters most hold a license in each state they wish to practice in. The applicant for a public adjuster license must be at least 18 years of age and must pass a criminal background check. The applicant must also score a passing grade on a written public adjuster examination. Every state has an application and licensing fee which are due prior to receiving a license.

Getting your license is a big step. Surely you’d like to know the job description before you start the application process! Public adjusters are representatives of the people. If insurance companies are the Joker (which may be an appropriate analogy), public adjusters are the Batman. The public adjuster symbol can be seen in the night sky when a claim needs to be filed. They swoop down to the damsel (or don) in distress and evaluate existing insurance policies to determine what coverage is applicable to the claim. Public adjusters also detail damage to buildings and contents, and any additional expenses including business interruption losses. They determine values for settling covered damages; prepare, document, and support the claim on behalf of the insured. Fantastic negotiating is also part of the job, wherein the adjuster fights for the best settlement deal for the insured. Even if a claim has been settled and a discrepancy has been found, a public adjuster will be there to reopen the claim and negotiate for more money!

After an incident, a policyholder hires a public adjuster to speed up their claims, obtain a more satisfactory claim recovery, and completely restore their residence or business operations. It takes a load off of the peoples shoulders who, with the help of an adjuster, won’t have to fight the insurance company, alone. We're hiring, contact South Wind for job options today.