FAQs
As experiencing significant damage to property isn’t something that most people experience on a regular basis, the process can be confusing. It’s likely that you have several questions, and it’s important that you have answers to those questions. These are some of the most common ones that we hear.
A public insurance adjuster can be either an individual or a business. They receive financial compensation for investigating, negotiating, adjusting, or advice to someone who holds an insurance policy that covers damage to their property. The public adjuster is hired to help the insured party to receive a fair settlement from the insurance company.
Although insurance companies may employ adjusters, the public adjuster’s job is to work solely in the interest of the insured party. You can think of a public adjuster as the advocate that helps you to prepare, present, and settle your claim with the insurance company.
Nobody at the A+ Adjusters Group works for an insurance company or for the state. Our sole interest is in you, the insured.
Excellent question. As a public adjuster’s job can vary quite a bit, it’s difficult to nail down every single thing that an adjuster does. However here are some of the more common responsibilities:
- An adjuster reads and analyzes your insurance policy to ensure that your claim is relevant to your policy.
- After you experience damage to your property, the adjuster conducts extensive research, documents, verifies, and authenticates all relevant damage to your property. They also assess the damage that you have experienced outside of the direct damage to your property. This includes your belongings and all other expenses related to the damage.
- Calculate how much money you’re losing in interrupted business expenses.
- Assess all damage and calculate an accurate estimate for your losses.
- Negotiate with the insurance company to ensure that you receive as fair of a settlement as possible.
These are just a few of the adjuster’s most important duties. They are there to make your life easier.
Although a difficult question to answer, it’s likely that you don’t have much experience in dealing with insurance companies and the claims process. Unfortunately, the burden to prove the extent of the damage to your property and belongings falls squarely on your shoulders.
After your initial contact with your insurance company, what you’re likely to find is that your policy is both long and complex. Policies generally contain a lot of pretty confusing legal language that you likely won’t have experience in reading and analyzing.
In addition, there are also several conditions,restrictions, and limitations in your policy. On top of all of the stress in dealing with your damaged property, sorting through these documents gets overwhelming.
A public adjuster has experience with these policies, and they know how to sort through the language. If you fail to meet some of the conditions, you may not receive the settlement that you are entitled to. To avoid that, a public adjuster takes care of everything for you.
So, if you’ve experienced any of the following, it’s likely that you should consider hiring an experienced public adjuster:
- If you think that your loss is an ‘insurance loss’, you should consider hiring a public adjuster.
- If you want to be on a level playing field with the insurance company, a public adjuster can help you level that field. Insurance companies have their own best interest in mind.
- To receive the maximum settlement, it’s likely that you need an experienced public adjuster who knows their way around the system.
- If you want to avoid the stress of dealing with a large corporation with bullying tendencies, you should get a public adjuster on your side.
- If you would like to your claim to be expertly documented and recorded, a public adjuster is the best way to do that.
As for when you should make the call, the answer is immediately. It’s easy to make big mistakes in the early stages of the claims process, so you want an experienced public adjuster on your side from the beginning.
This is one of the first questions that comes to mind for many people since they are already in a tough spot financially due to the damages that they have experienced. The good news for you is that the A+ Adjusters Group does not apply any fees until after the case has been settled. This helps to ensure that we have your best interests in mind since we don’t get paid until you get paid. We charge on a fixed percentage of the settlement amount, and that rate varies on a case by case basis.
We are confident that we meet all industry standards, which is why we would like to provide you with a checklist of what to look for in a public adjuster before signing your case over to them. Here is what to look for:
- Does your public adjuster hold a license in the state in which the claim is being made? In most states, a public insurance adjuster must be tested, licensed, and bonded.
- Does your public adjuster have any reviews on major platforms? Do they have references and testimonials? Do they appear to be honest and transparent when you request information from them?
- What credentials does your public adjuster have? Do they have certifications, diplomas, and past experience that is directly relevant to your claim?
- Are they clear and upfront about their payment process? Are they going to try to tack on hidden fees?
- Do they appear to have a diligent interest in your case? Do they appear to be overloaded with their work?
- Has your public adjuster detailed the entire process for you and what to expect?
These are just a few of the questions that you should be asking both yourself and your public adjuster before you agree to work with them.
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