Are public insurance adjusters connected with
No. They are employed exclusively by you, the
policyholder, not by an insurance company.
Do public insurance adjusters sell insurance or act
as insurance agents?
No. If they were to do so, they would become a
representative of the insurance company and they would
not represent you exclusively and independently.
Can I prepare my own claim?
Yes, but unless you thoroughly understand your
insurance policy's coverage and exceptions you risk the
chance of not fully recovering everything that is due
under the policy's provisions.
Why do I need help to file an insurance claim?
A typical insurance policy contains hundreds of
provisions, stipulations, exclusions, conditions,
riders, and requirements. Most people don't
understand these; more importantly, most people don't
realize that the burden of proof is on them, the
policyholder. Most insurance company
representatives prefer to work with an experienced
professional public insurance adjuster rather than an
Why should I hire a public insurance adjuster to
obtain what is rightfully mine?
Insurance companies offer to pay what is due as they see
it. They suggest how they want to settle,
based on what you know to ask and how you
ask it. Public insurance adjusters are your
exclusive representatives. With their
experience and knowledge, they may be able to secure a
more favorable recovery; they will certainly cause a
complete review of all possible coverage -- even
coverage not initially offered by the insurance company.
How can a public adjuster make the insurance company
see things differently?
Strangely enough, even the plainest wording in
a policy can sometimes have various interpretations.
Often, clauses are overturned by laws, or even deemed to
exist when the policy doesn't mention them. Generally,
the insurance company will still try to enact the
defeated clause (or exclusion) because the claimant
doesn't know any better.
Will a public insurance adjuster help me receive a
more prompt and satisfactory settlement?
Probably yes, especially if they are hired immediately
after a loss. They lose no time in complying with
policy requirements to obtain and evaluate the facts and
prepare the claim. This alert and knowledgeable
response often preserves evidence that may otherwise be
overlooked or destroyed. The more thorough and
complete the claim, the faster the public insurance
adjuster can accomplish an equitable and proper
settlement in your best interest.