Q: WILL I GET A HIGHER SETTLEMENT IF I HIRE A PUBLIC ADJUSTER?
A: Engaging the services of a public adjuster almost always leads to a higher settlement from your insurance company. This is primarily because your claim will be presented in a much more favorable light, with meticulous attention to your policy coverage. The level of detail and completeness in your claim directly influences the settlement amount, and we ensure that no aspect of your loss goes overlooked. Numerous studies have proven that inventories compiled by insured individuals without the help of a public adjuster are often incomplete and fail to fully represent the extent of the loss.
Q: WHAT IS A PUBLIC ADJUSTER?
A: A public adjuster is a licensed insurance claims professional who acts as an advocate for the policyholder in the appraisal and negotiation of an insurance claim. Unlike insurance company adjusters, who represent the interests of the insurer, a public adjuster exclusively works on behalf of the insured during the claims process.
Q: WILL MY INSURANCE COMPANY CANCEL MY CONTRACT IF I HIRE A PUBLIC ADJUSTER?
A: No, hiring a public adjuster is well within your rights as a policyholder. It would be a serious violation for any insurance company to discriminate against you in any way for seeking professional assistance during the claims process.
Q: IF MY CLAIM HAS BEEN CLOSED BY THE INSURANCE COMPANY, IS IT TOO LATE TO HIRE A PUBLIC ADJUSTER?
A: In most cases, it is not too late to hire a public adjuster. The law typically allows a few years to file a supplemental claim from the date of the loss. If you believe that your claim was not adequately compensated or that the settlement was unjustly denied, please do not hesitate to contact us. Our team will conduct a thorough audit and analysis of your claim, providing you with our expert opinion and potentially reopening the claim for further negotiation.
Q: WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND AN INSURANCE COMPANY ADJUSTER?
A: The fundamental difference lies in their affiliations and priorities. Insurance company adjusters and independent claim adjusters are employees of the insurance company and are tasked with protecting the interests of their employer. As a result, they may offer settlements that do not fully favor the policyholder. In contrast, a public adjuster works exclusively for you, the policyholder. With our expertise in reading policy contracts, understanding coverage, and interpreting the insurance company's responsibilities, we negotiate with the insurer to ensure you receive a fair and optimal settlement.
Q: MY CLAIM WAS DENIED, AM I ENTITLED TO A SECOND OPINION?
A: Yes, you have every right to seek a second opinion. Many of our clients faced claim denials before turning to us for assistance. In such cases, we act promptly to reopen the claim, enter into negotiations with your insurance company, and advocate for the compensation you deserve. Our experienced team ensures that viable damages are accounted for, increasing the chances of a successful claim resolution.
Q: CAN I HIRE AN ATTORNEY TO SETTLE MY PROPERTY DAMAGE CLAIM?
A: While hiring an attorney is an option, public adjusters possess expertise in determining the total scope and value of property damage and business interruption losses. In cases where there is a dispute with the insurance company over the settlement amount, a public adjuster is often engaged by attorneys for their specialized knowledge in these areas. Choosing a public adjuster can be a cost-effective alternative, as we can handle the entire scope of work needed, avoiding the additional expense of hiring an attorney.
Q: MY INSURANCE COMPANY HAS AN ADJUSTER WHO IS ASSIGNED TO MY CLAIM – WHY CAN’T I JUST USE HIM OR HER TO HELP SETTLE MY CLAIM?
A: The key distinction between a public adjuster and the insurance company's adjuster lies in their loyalty and priorities. The insurance company's adjuster represents the interests of the insurer and may offer settlements that may not be in your best interest as the policyholder. On the other hand, a public adjuster exclusively works on your behalf, aiming to secure the maximum possible settlement for your claim. By hiring a public adjuster, you have a seasoned professional who will meticulously navigate the claims process, ensuring you receive the compensation you are rightfully owed.