The role of a public adjuster

Adjusters, also known as claims adjusters, work for insurance companies and examine property damage to determine how much an insurance company should compensate the claimant. The job of an insurance claims adjuster is to investigate a claim and determine whether coverage applies as well as determine the value of the claim. . A public adjuster works for the policyholder and is committed to advocating for the policyholder’s position. A public adjuster can provide immediate advice and assistance to help you mitigate your loss, secure your claim, fulfill your obligations under the policy, preserve evidence, and guide you through making necessary arrangements such as finding a temporary place to live.

 

Do I need a public adjuster?

A public adjuster role is to help you recover the proper amount of damages that you are owed. The adjuster will do a thorough review of all affected areas to come up with an experienced estimate of total losses of the property. Public adjusters are trained in claims adjusting and in providing personalized service to the policyholder. Since the adjusters fees are contingent on the amount of damages you are owed from your carrier, they are highly motivated on obtaining the most accurate and fastest recovery on your behalf.

 

Is hiring an attorney necessary?

An attorney has all the legal means and tools at his or her disposal to achieve the best result, including engaging in litigation as necessary. Public adjusters are fully aware of what they can and cannot do, and when they are unable to achieve what they know to be a full or fair resolution, many times they will refer the case to us.

 

Your duties as the policyholder in the event of a loss

As a policyholder, being honest in your application for insurance and keeping up with your premiums are essential to maintaining a valid policy in effect. In the event a claim must be made, you should notify your insurer of the damages sustained to your property and cooperate with their investigation. You are required to perform specific duties under your policy of insurance. Failure to meet these obligations may jeopardize your claim. The following is an example of Duties After loss found in one policy and some general advice. Your policy may contain different language.

  • Give prompt notice to us or our agent
  • Notify the police in case of loss by theft:
  • Notify the credit card, electronic fund transfer card, or access device company in case of loss as provided for in E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery
    And Counterfeit Money under Section 1 – Property Coverage:
  • Protect the property from further damage. If repairs to the property are required you must:
    – Make reasonable and necessary repairs to protect the property; and
    – Keep an accurate record of repair expenses
  • Cooperate with us in the investigation of a claim;
  • Prepare an inventory of damaged personal property showing the quantity, description, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory;
  • As often as we reasonably require: -Show the damaged property
    -Provide us with records and documents we request and permit us to make copies; and
    -Submit to questions under oath and sign and swear to them;
  • Send to us within 60 days after our request, your signed, sworn proof of loss which sets forth , to the best of your knowledge and belief:
    -The time and cause of loss;
    – The interest of the “insured” and all others in the property involved and all liens on the property;
    – Other insurance which may cover the loss;
    – Changes in title or occupancy of the property during the term of the policy;
    – Specifications of damaged buildings and detailed repair estimates;
    – Inventory of damaged personal property described in 2. e. above;
    – Receipts for additional living expense incurred and records that support the fair rental value loss; and
    – Evidence or affidavit that supports a claim under E.6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money under Section I – coverage: stating the amount and cause of loss.