What is a Public Adjuster?

I have worked in the insurance industry (mainly as a PA) for many years and have see far too many people make rash decisions in the heat of the moment. These decisions later proved to have cost them thousands of dollars before they even knew it. As a consumer considering a Public Adjuster please read the following:

Public Adjusters are experts who are retained by a policyholder to assist in preparing, evaluating and negotiating insurance claims. They are employed exclusively by a policyholder who has sustained an insured loss. These insurance professionals manage every detail of the claim, working closely with the insurance company to assure 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 coverages, determines current replacement costs and exclusively serves the client, not the insurance company.

A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take the headache of dealing with a claim off your back and let you get back to handling your household or business matters. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof when filing a claim is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.

2 replies

Leave a Reply

Want to join the discussion?
Feel free to contribute!

Leave a Reply

Your email address will not be published. Required fields are marked *