What is a Public Adjuster?

A Public Adjuster is an insurance professional that can help you out in the process of filing your claim (or even do it for you) to ensure you get the maximum benefit. An adjuster is someone who can assess the damages caused by the incident and calculate how much they would cost. Insurance companies have their own adjusters. But you do not need to use the insurance company adjuster, you can have  your own, defending your own interests. 

If you already filed a claim, any public adjuster in our network will complete a free claim analysis. Even if it was denied or you feel you did not get the right payment. 

Restoration projects at home require expert advice from certified skillful professionals. Part of a successful restoration project is to have a budget and more than one estimate. Your insurance will cover the replacement of your roof, change of flooring, mold damage, or any restoration if caused by something covered in your policy. We can assess your policy for free and confirm your coverage before submitting a claim.

At American Loss Consultant we will advise you about anything related to restorations at home or business. We know that insurance claims are not as easy as they might seem. Insurance companies manage complicated procedures that are designed to be hard to understand, or that take a lot of time. So, if you are planning to start a claim, we strongly recommend you to hire a public adjuster to accompany you. 

Public adjusters are experts in:

Examining carefully your insurance policies to determine the coverage suitable for a claim. Insurance terminology is not easy to get, but experts can handle it.

Making an inspection to your home, collect information and keep records of damages in the property, the contents as well as any additional expenses.

Will my insurance cover business interruption?

In case restoration work must be done in a commercial property, a public adjuster can evaluate losses caused by business interruption and add this to your insurance claim. If you have a business insurance policy, you are covered.

Valuing your damages

Your insurance company will provide you an adjuster to determine the cost of the damages. A public adjuster will help you assess the damages, and the costs and with their expertise they can maximize your payout. The adjuster from the insurance company has his interest in mind, a public adjuster has yours. 

Preparing the claim

Preparing a claim requires extensive documentation, records update, estimates, and long hours. A public adjuster will do that for you. You can avoid the headache at no out of pocket cost  to  you as Public Adjusters will  bill your insurance directly so it will come at nmo cost to you.

Fair negotiations

Negotiating a fair settlement with the insurance company is crucial for you and public adjusters know that. Be confident that your claim is in good hands.

Re-opening a claim and negotiating more money. If you previously filed a claim and are not happy with the results, public adjusters can reopen a claim and negotiate more money for you.

Generally, when you as a policyholder hire a public adjuster you are hiring someone who will document and expedite your claims. The experience of public adjusters will make your process for filing claims faster. restoring the normal functioning of your home or business, taking away from you the stress of a legal process. If your insurance won’t cover your claim, a Public Adjuster will let you know before wasting your time. 

Licensing as part of screening process

The National Association of Insurance Commissioners (NAIC) adopted the Public Adjuster licensing Model Act (MDL-228) in 2005. This model rules the qualifications and procedures for the licensing of public adjusters; states that public adjusters may only act or aid on the benefit of the insured in first-party claims.

At American Loss Consultant we confirm all adjusters in our network are licensed and keep their license as valid. 

A public adjuster is defined by the model as “any person who, for compensation or any other thing of value, acts on behalf of an insured”; public adjusters usually work with insurance property damages and business losses claims. It is not common that public adjusters handle health insurance claims but in some states like in Florida they are legally authorized to handle them.

American Loss Consultant requires every public adjuster pass the screening process of the company. But we always advise our clients to follow these suggestions at the moment you are hiring public adjusters:

Check references and qualifications.

Ask for recommendations from your friends, family and associates. Make sure the public adjuster is licensed in the state where your damages or losses occurred. Contact your state insurance department to check up his/her record. Or just use one of the Public Adjusters in our network as wer do that all for you!

Never hire a public adjuster who pressures you.

You are the client and public adjusters are there to help you; always read carefully your contract and be sure you understand all the clauses before you sign it.

Get information about fees.

Before hiring a public adjuster, consult your state’s insurance department because they may set the percentage that public adjusters are permitted to charge. Do not trust on door-to-door public adjusters who arrive after a catastrophe.

Public Adjusters Fees

Public Adjusters won’t bill you directly, instead they will charge you a percentage of the total settlement. Commonly, lower percentages are asked by public adjusters when filing claims for larger losses while higher percentages are asked in smaller claimed losses. But experience as well as skills also influence the percentage you will pay to a public adjuster.

Expert-rated public adjusters get a higher fee than standard-rated adjusters because with them you can be sure they will get the most money for your claim. But do not trust in just the words of the adjuster if he/she says is “expert”. Expert adjusters are classified and registered as experts by the judicial system. Consult that information.

Call American Loss Consultant if you have had an eventuality and you need extra help with your insurance claim. We will provide you a full list of licensed public adjusters and contractors that will provide you with free estimates and free claims analysis. 

 

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