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Public Adjuster

WHAT IS A PUBLIC ADJUSTER?

Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Definition per the National Association of Public Insurance Adjusters.


WHEN IS THE BEST TIME TO CONTACT A PUBLIC ADJUSTER?

 Shortly after the insurance company receives notice of a loss, an adjuster representing the insurance company will visit the policyholder to gather facts about the loss. Incorrect, incomplete or inadequately expressed answers to the adjuster's questions may reduce the amount that can be claimed. A public adjuster engaged early in the process, before the fact-finding stage, will have more opportunity to help the policyholder receive a fair settlement for all losses legitimately covered under the insurance policy. However, any time during negotiations and even after a settlement has been received by an insured, a public adjuster may be able to negotiate for a higher amount.


WHAT IS A PUBLIC ADJUSTER'S MAIN RESPONSIBILITIES?

  • Evaluate existing insurance policies in order to determine what coverage may be applicable to a claim
  • Research, detail, and substantiate damage to buildings and contents and any additional expenses
  • Evaluate business interruption losses and extra expense claims for businesses
  • Determine values for settling covered damages
  • Prepare, document and support the claim on behalf of the insured
  • Negotiate a settlement with the insurance company on behalf of an insured
  • Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled

WANT MORE

If you have found yourself frustrated with your insurance adjuster, if you think that you are not being properly compensated for the damage that was done or just don't want to deal with your insurance period; give us a call or send us a copy of your claim. Let's see if we can help!

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