Faqs
There are always questions and we will endeavor to provide you with answers that are helpful and informative. If you have questions that have not been addressed, please contact us.
Insurance Company Adjusters work directly for the insurance company, they are directly employed by the insurance company and their responsibility lies with the insurance company.
Independent Adjusters are independent contractors who are assigned claims by insurance companies and represent the insurance company when they investigate and evaluate claims on behalf of the insurance company. Their fees and expenses are paid by the insurance company that hired them.
Both the Insurance company adjuster and the Independent Adjuster represent the insurance company’s interests.
Public Adjusters are hired solely by the policyholder, building owner, or the insured to represent them and their (the insured’s) interests. Public Adjusters are paid by the insured and have no allegiance to the insurance company.
If you’re uncertain about what’s covered by your policy, it may be because many people have difficulty understanding the technical language of the insurance policy.
There are also a few seemingly complicated procedures you must follow to comply with the policy’s terms.
Most people also do not realize that insurance company adjusters are trained professionals who have a fiduciary duty to represent the interests of the insurance company which employs them.
You should have a copy of the policy – but more importantly the “Policy Declarations” that provides you with a summary of your insurances.
Most Companies do – Sign up and you should find all of your important information available in the App.
An experienced claims professional who you can retain to assist you in preparing, filing, and presenting your insurance claims.
No. They are hired or engaged by you – the policyholder.
Yes. But if you are not a claim professional and know the terms and conditions of the policy, and have the training and experience, you may not receive the proper indemnification from your insurance company.
It stands to reason that an experienced and trained public insurance adjuster can do so with more competence than the policyholder.
A Public Adjuster will assist you in the preparation of the documentation necessary to present to the insurance company.
The Public Adjuster will also negotiate with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.
Coinsurance in Property Insurance is different from Health insurance. In property insurance it’s linked to your policy terms and conditions, and limits of insurance.
If you’re adequately Insured to Value – you will not have a coinsurance issue or penalty
No. We can provide you with assistance in identifying criteria that is helpful when selecting vendors
Engage a Public Adjuster!
Yes. Start by documenting everything, take photographs, video, make notes (voice or written), keep a journal of what’s being done and by whom, and keep all your receipts.
Engage a Public Adjuster!
Usually – it’s you, the insurance company adjuster / representative, the insurance company’s contractor, the insurance company’s experts.
If you feel you might be outnumbered or overwhelmed, that’s a sign you need help.
Engage a Public Adjuster!
The Public Adjuster will traditionally charge a percentage of the gross claim recovery – a percentage of the total amount the insurance company pays you because of the Public Adjuster’s involvement.
This benefits both you and us.
However, by agreement we can work on an hourly basis.
If we work on a percentage – we only get paid if you get paid. If we work on an hourly basis, we get paid regardless of the outcome.