Public Adjusters—The Inside Scoop

 

If you have a property loss claim, our professional direction will help you make your way through the complicated claims process. Public adjusters prepare and document the claim to recover the maximum amount per the insurance policy in a timely manner on the insured's behalf.


Q: What is a public adjuster (PA)?

A: A person who is licensed to represent the insured’s interest on first party claims.

Q: What does a PA actually do?

A: A public adjuster represents you (the policy holder) documents the loss and aggressively negotiates the settlement with the insurance company.

Q: Do insurance companies want you to hire a public adjuster?

A: NO! NO! NO! We take the time to interview our clients, document the loss and provide extreme attention to detail. We provide a maximum return per the policy. Because of this, you/we are on an even playing field with the insurance companies.

Q: How do I make sure I hire the right PA?

A: Do an in-person interview with the PA and request references. Make sure they have experience in your particular type of loss

Q: What should I expect to pay a PA?

A: The standard fee is 10% of the amount recovered. However, this percentage may vary depending on the size and nature of your claim.

Q: Should every policyholder with a property claim hire a PA?

A: No, not necessarily. It depends on the size of the loss, policy type and previous experience presenting claims to the insurance company.

Q: What if I am not satisfied with my PA?

A: All PA contracts are subject to a three-day cancellation period. After three days, you may request a withdrawal letter from the PA. If a dispute arises, you can go to mediation or litigation as a last resort.