After an accident, damage, or disaster, hire a public insurance adjuster to get the money that you are entitled to from your insurance company. The Design Build Pros have a licensed public insurance adjuster as a Trade Alliance.
FREQUENTLY ASKED QUESTIONS ABOUT INSURANCE:
What is a public insurance adjuster?
An authority on loss adjustments who you can retain to assist you in preparing, filing, and adjusting your insurance claims.
Can I prepare my own claim?
Sure, but it stands to reason that the public adjuster who has years of experience and training can do so with more competence than the policyholder. More specifically, a public adjuster will assist you in the preparation of inventories, estimates and other factual proofs of loss. He or she will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. Your public adjuster will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.
Why do I need help in filing an insurance claim?
The typical policy contains hundreds of provisions and stipulations – various forms and riders that are constantly changing and many complex details about your requirements in case of loss. Most people do not know or understand these policy provisions – and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced public adjuster rather than an inexperienced insured. A public adjuster not only has your confidence, but also that of company adjusters who recognize that they are dealing with a professional.
Why should I engage a public adjuster to obtain what is rightfully due to me?
Insurance companies offer to pay what is due to you as they see it. Public adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured.
How much do they charge for their service?
Your public adjuster’s charge is a percentage of the insurance company’s settlement with you. By seeking to maximize your settlement, your public adjuster’s services can save you the cost of their fees, at the very least.
The National Association of Public Insurance Adjusters Offers Tips to Consumers for Hurricane Sandy Insurance Claims
With Hurricane Sandy wreaking havoc up and down the east coast, members of the
National Association of Public Insurance Adjusters
(NAPIA) offer the following tips to property owners who may experience property loss as a result of the storm:
- Immediately consider the use of a public adjuster to help you settle a claim. Public adjusters work for consumers, interacting with insurance companies and their independent adjusters to fairly and timely settle claims. In a storm such as Sandy, there may be an effort by insurers to settle claims quickly; a public adjuster can assure that the settlement is also consistent with the terms of your coverage.
- Due to the type of storm this is, your policy may have a deductible that applies to hurricanes. This can be a tricky and complex area to navigate as it is often difficult to determine which deductible may apply — this will depend on numerous factors and the specific timeline of events of the loss.
- Check to make sure that the public insurance adjuster you do select is licensed if the local jurisdiction requires it (45 states currently have a licensing statute), and know if your jurisdiction has limits on the fees that can be charged by a licensed adjuster. In many cases, fees may be capped given the size of the storm and the number of claims it produces.
- Ask the public adjuster for their professional qualifications, past experience and whether they have been cited by their regulators for poor or unethical performance before you sign anything.
- Know that insurers cannot prohibit a property owner from utilizing the services of a public insurance adjuster.
- Understand that independent adjusters and insurance company adjusters represent the interests of the insurance company, and do not necessarily represent the interests of the claimant.
- Be aware that many contractors, roofers and others hold themselves out as public adjusters, and that the unauthorized practice of public adjusting is illegal in many states.