Public Adjuster: Your Friend In Disaster

Any disastrous damage to your property or any sort of business loss can be filed and claimed by the help of public adjusters.

By the means of negotiation and discussion, you can seek help from a public adjuster.

Public adjusters are those professionals who work on the side of policyholders. They help you to estimate the cost of the damage and also estimates a figure necessary to rebuild it.

They keep track of the insurance payments and also the dues. Furthermore, they work with home insurance companies and speed up the claims of their clients.

The Role Of A Public Adjuster.

The role of a public insurance adjuster is that they are experts in the fields of policies. They know the proper ways to bring a claim to proper action.

Most of them are well classified and can come in real help when you, as a policyholder, need actual help. For instance, when you have insurance over your hard-earned car. And that car meets a devastating accident and is completely or partially demolished, your hired public adjuster will come into action at that moment.

If you can provide him with the proper evidence of your destroyed vehicle like photographs or short videos. And through thorough examination by your adjuster, he will help you get your claim.

They also help clients negotiate with contractors and their insurer. Having an adjuster throughout the process not only protects the policyholder from any pitfalls due to inexperience, it is a time consuming process then labored by the adjuster.

Types Of Claim Adjuster.

Through this article you’ll be able to know alot about public adjusters. How you can hire them, the cost and payment method of public adjusters and also the types of claim adjusters.

There are 3 types of public adjusters or claim adjusters.

  • Staff adjuster.
  • Independent Adjuster.
  • Public Adjuster.

1. Staff Adjuster.

As the name has already stated, they are those adjusters who work for an insurance company. They are full-time employees and are paid as a monthly salary or on an hourly basis.

They are only employed by an insurance company. And they are also committed to work for only one company. And their assigned job is to save the insurance company money.

2. Independent Adjuster.

There are times when insurance companies don’t want to hire any full-time employees. As they would cost very high. The substitute option that these companies came up with is to hire independent adjusters and assign them on a case-by-case basis.

In short, independent adjusters work for themselves or for their own firm. They get assigned to any sort of companies but are not permanent employees to any company. Their job is to save insurance company’s money.

3. Public Adjuster.

Unlike other adjusters, they don’t need to be licensed depending on the state, public adjusters are only licensed and trained to assist with the insurance claim process.

As they don’t work for any insurance company so they don’t have any private motives. They are only there to help the insured clients.

Nevertheless, they are employed for themselves or for their own firm. They work only for their clients, the insured. The main purpose of their work is to help their committed clients to get a fair and quick settlement.

How To Hire Your Public Adjuster.

According to some people, hiring a public adjuster can be a tough job. But with the help of this article all these confusions will be gone now!!!

If you know the right ways to hire your adjuster, then it really wouldn’t be a hassle to get one.

Through the light of this article, you’ll get the tips to get hold on your desired and effective adjuster.

1.   Check With Your State Department Of Insurance.

Most states want their public adjusters to be licensed. So, for this the adjusters need to meet the state’s education and experience requirements for preparing themselves with this profession. Hence you can contact your state department of insurance and they will provide you with all the directories of their adjusters who can help with your claim.

2.   Check on a NAPIA Member.

NAPIA- National Association of Public Insurance Adjuster. Public adjusters from these companies are more ethical and effective to their assigned work. They know the purpose of their work and abide by the terms of the organisations.

3.   Check For Their Websites.

It’s natural that when we see a professional having a website, we tend to believe that they are worth hiring!

Similarly, most legitimate public adjusters have a website of their own. If the company does not show you their website then it’s an indication of a red signal that the firm is not legitimate.

4.   Don’t Get Into Pressure.

Although it’s a better option to get your public adjuster involved early in the claim process, you should avoid anyone forcing you to rush to decisions.

After you have made a list of your desired adjusters. Before selecting any one of your short lists, ask them a few questions like, “How long have you been in business?”, “Do you have error or omission insurance?”, “Do you have experience in adjusting my type of claims?”

After getting their answers if it satisfies you then you are good to go!!

Hope this article will now help you to choose the best public adjuster. And now I believe you won’t really need to worry about your claims!!!

Show More