| As the policyholder, you have a right to know about | | | | to ask so you can distinguish established and |
| the insurance industries best-kept secret - Public | | | | trustworthy firms from all the others. |
| Insurance Adjusters. We are the experts who | | | | Many people don't realize that the insurance company |
| represent you exclusively when a loss occurs to your | | | | doesn't automatically pay their insurance claim. |
| business, commercial or residential property. The | | | | Instead, it's your responsibility to prove your claim in |
| insurance companies have their representatives; you | | | | order to get compensated for a loss. When a |
| need someone whose loyalty is entirely to you. | | | | disaster occurs, the insurance company has |
| For many homeowners, the preparation of a | | | | adjusters, building engineers, claims managers and |
| property damage claim without the assistance of | | | | supervisors, all representing their interests. Who do |
| their own insurance loss adjuster is unfamiliar territory. | | | | you have representing yours? |
| The documents are filled with complicated jargon and | | | | As you are trying to rebuild your home and stabilize |
| calculations that only a claims adjuster will thoroughly | | | | your life, there is little time for learning the ins and |
| understand: depreciation, replacement costs, and | | | | outs of insurance to make sure you're not settling |
| actual cash value. At times, the list seems endless, | | | | for less than you're entitled to. Public Adjusters can |
| especially when you have enough on your hands just | | | | help by:o evaluating your policy to help present the |
| getting your life back together. But it´s your | | | | strongest possible claim to your insurance company;o |
| responsibility to document and prove your claim to | | | | measuring & documenting damages to detail and |
| the insurance company, either by yourself or with | | | | prove your losses: your house, your belongings, your |
| the aid of a public adjuster. | | | | additional living expenses;o negotiating on your behalf |
| Many policyholders just like you have asked the | | | | with your insurance company;o advising you of your |
| same questions: How do I estimate my loss? Will I | | | | options and keep you informed every step of the |
| recover enough to rebuild? Can I do this myself, | | | | way;o settling your claim for the maximum amount; |
| without a public insurance adjuster? This uncertainty | | | | ando freeing up your time to focus on the emotional |
| is easily removed through the professional assistance | | | | recovery of your family and your job. |
| of our proven team of professional public adjusters. | | | | Every property insurance claim is unique. Public |
| What is a Public Adjuster? | | | | adjusters can provide some or all of the following |
| Public adjusters are the only category of insurance | | | | services:o conduct a comprehensive review of your |
| adjuster who work exclusively for you, the | | | | policy;o assist you in complying with your policy's |
| policyholder.o A company adjuster (often referred to | | | | requirements, such as mitigating further damage and |
| as simply the "insurance adjuster") works for the | | | | being aware of time limitations;o work with you to |
| insurance company.o An independent adjuster also | | | | develop a proactive claim management strategy that |
| works for insurance companies, not for policyholders. | | | | maximizes your financial recovery;o conduct a |
| They are simply an independent agent rather than an | | | | thorough evaluation of your loss, carefully |
| employee, so an independent adjuster could be | | | | researching, detailing and substantiating every aspect |
| working for multiple insurance companies.o A public | | | | of your claim, including building damage, contents, and |
| adjuster represents the only category of adjuster | | | | extra living expense claims;o present and support an |
| that works exclusively for policyholders and never | | | | itemized claim package to your insurer;o work as |
| for insurance companies. This means there´s | | | | your advocate at all inspections and meetings with |
| no inherent conflict of interest when it comes to | | | | your insurance company;o secure the best possible |
| advocating on your behalf to the insurance company. | | | | settlement in the shortest possible time frame; ando |
| Public adjusters will typically contact you after a | | | | communicate with you every step of the way. |
| disaster. It´s important for you to know what | | | | |