| What is a Public Insurance Adjuster? How do you | | | | amount of loss, complete with policy language, this |
| find a public adjuster? There are three types of | | | | doesn’t make it so. Insurance companies use |
| insurance adjusters, Staff, Independent and Public. | | | | two main strategies to keep payments low, Denials |
| Staff Adjusters are employed directly by insurance | | | | and Delays, think of yourself as a legal adversary not |
| companies, Independent Adjusters works for a | | | | a client. Adjusters are paid by the Insurance |
| company outsourced by the insurance company | | | | Company, the insurance company pays their fee, |
| (independent with respect to which insurance | | | | which is a percentage of the claim amount. It is |
| company they work for, but they do not work for | | | | against the law for a policy older to profit from an |
| the policyholder). Lastly Public Adjusters are hired by | | | | insurance claim. |
| the policyholder (you), and exclusively represents only | | | | There are several things to know when working with |
| the policyholder and not the insurance company. A | | | | insurance claims, Make sure you know and |
| public adjuster legally represents the policyholder, and | | | | understand the policy detail, deductible, |
| prepares, submits, and negotiates the claim directly | | | | coverage’s etc. Take photographs or video of |
| with the insurance company on behalf of the | | | | possessions and store them in a secure place. |
| policyholder in order to get the maximum settlement | | | | Conduct a public adjuster search immediately after |
| A successful Public Adjuster educates the insurance | | | | calling and filing a claim with your insurance company. |
| consumer, uses his or her insurance expertise to help | | | | Be honest with your insurance company, insurance |
| the insured in maximizing their settlement and | | | | fraud is a felony. Keep notes on everything that has |
| reducing their frustration and burden. Typical clients | | | | received damage. Keep notes and call logs of all |
| are paid $20,000 to 200,000 more after hiring a Public | | | | communications with the insurance company. Show |
| Adjuster. Client Examples - Before $24,000 after | | | | the adjuster all of the damage and be as thorough as |
| $49,400, paid $25,400 more - Before $48,443, After | | | | possible. Be persistent and don’t give up If |
| $158,332, paid $109,889 more. | | | | the insurance company refuses to pay, demand they |
| In Florida, you can re-negotiate a claim after is has | | | | explain why in writing, and always contact |
| been closed or denied up to 5 years later. Each state | | | | professional assistance when needed Public Adjusters |
| states may differ. Because your insurance company | | | | should be licensed and bonded with each state they |
| sends an official letter denying the loss, or stating the | | | | work in. Begin your public adjuster search today. |