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Frequently Asked Questions
What is a Public Adjuster?
A Public Adjuster is a highly-skilled, professional
with a vast knowledge of insurance policies, co-insurance, depreciation, building and personal property damage assessments, repair and replacement costs and
negotiation.
Who
uses the services of Public Adjusters?
Public Adjusters are utilized by individuals, businesses and professionals
including banks, churches, restaurants, accountants, attorneys and even insurance adjusters and
agents on their own losses. Once a client has experienced
the benefits a Public Adjuster has to offer, it
is rare that they will attempt to settle their claim without
professional advice.
Do
I have to pay up front?
No. We are not paid until money is collected from the
insurance company. In fact, we spend our own money and
time documenting and resolving your claim before we
are paid anything.
Will
my loss be settled faster with the services of a Public
Adjuster?
A
Public Adjuster knows exactly what to provide to the
insurance company in order to expedite the settlement
of your claim. A great deal of time can be saved by
having our professional Public Adjusters handle your
loss.
With your cooperation we will quickly have your
claim filed and the settlement process underway.
How
can a Public Adjuster better serve me over an insurance
company adjuster?
The
insurance company adjuster is employed by the insurance company and that is where their loyalties
are. They must strike a balance between your interests and those
of their company. A Public Adjuster works for a client's
interests exclusively.
Why
can't my insurance agent or broker handle my claim?
An agent or broker is well trained in determining your
insurance needs, and placing or writing insurance policies.
However, they are not well trained in construction
techniques, building materials, writing detailed insurance
estimates, or building codes. You can't expect your agent or broker, who is
not paid to adjust losses, to try and adjust one. They
generally don't have the time, training or facilities
to provide the kind of service that you may need.
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