FAQ's
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What is a Public Adjuster?
A Public Adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the insurance broker of record, Public Adjusters (licensed by State Department of Insurance) are the only type of claims adjuster that can legally represent the rights of an insured during the insurance claim process.
Why should you hire us?
Because we’ve been on the other side. Having worked on the sales side of the insurance industry for years and being on the receiving end of claims, we understand the process from beginning to end. We’ve seen what gets overlooked by overworked adjusters that are under intense pressure to rapidly close claims. Unfortunately, when something goes unnoticed, you could be looking at expensive problems months or years down the road. Why risk it when you can have experts in your corner watching your back?
Shouldn't I just assume the Insurance Company Adjuster will take care of me?
While most insurance company adjusters would like to be fair, it is not always possible to serve two masters. It is extremely easy and very common for even the most honest adjusters to underpay a claim. The reasons for this can be poor training, too heavy of a workload, and a bureaucracy that is motivated by profit.
Why not let a contractor handle my claim?
Insurance policies are complex and most contractors are not used to dealing with and overcoming common obstacles within the policy such as depreciation and co-insurance. In addition, contractors may low-bid a project in hopes of securing a job. A situation that will only limit your settlement. In Texas and several other states, it is illegal negotiate an insurance claim, unless you have a license to do so.
Why not handle the loss myself?
Generally, the more thorough and complete the claim investigation and evaluation, the higher the settlement will be. More than 90% of our claims settle for 100% more than what the policyholder was initially offered by the insurance company. We meticulously inspect the loss site and document the damages. Having a professional who is looking out for your best interests and who understands the "tricks of the trade" is invaluable. The insurance company is a for-profit business. Their adjusters may reduce the value of the claim or even ignore portions of your claim unless you know how to present the claim in the way the insurance company will concede to and cannot challenge.
Will I still be involved?
ABSOLUTELY!! We work as your in-house claims department. In preparing estimates and inventories, we consult with you to put together a loss package before conferring with the insurance company. No estimates will be submitted without your approval. No settlements will be made without your approval.
How are Public adjusters paid?
We receive a small contingency fee based on the final recovery. In the state of Texas, this fee is capped at 10% of the total claim settlement. There is no payment if there is no recovery made.
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