A public adjuster is someone who works for you, the insured. Public adjusters do NOT work for your insurance company.
It’s true that when your property is damaged, the insurance company will send an adjuster to assess your claim.
Here’s the only problem with that concept: The adjuster that gets sent out to assess your damage works for your insurance company… he has a fiduciary responsibility to them, not to you.
On the other hand, a public adjuster, by law, has a fiduciary responsibility to YOU. Our job as public adjusters is to make sure that you get indemnified. In other words, your public adjuster wants to make sure that you are able to put everything back to its pre-loss condition.
A Public Adjuster is:
A property loss expert! It’s our job to know your policy even better than the people who sold it to you.
You know the way a doctor uses an MRI to make his diagnosis? That’s how we use your policy. We use it to see the whole picture so we know exactly what you are entitled to receive after a loss. But getting the maximum possible settlement isn’t just about reading a policy. Your claim must be properly prepared and filed in an accurate and timely manner. We take care of all of this for you.
What else do we do?
We’ll inspect the loss site, analyze all of the damage, gather all of the claim support data and determine how much it will cost to rebuild and/or replace everything to its original condition. Additionally, we will handle all of the negotiations with your insurance company on your behalf and not stop working for you until your settlement check is safely in your hands.
Why do you need a public adjuster?
Owning a home, business or commercial property is stressful enough. That stress is further compounded after a loss. Hiring a public adjuster allows you to take that stress off of your shoulders and put it on ours instead. You’ve got a job to do, people to supervise, a family to run… a life to live. Do you really want to spend time worrying about all the details? Think about the hundreds of provisions and stipulations; the endorsements, ever changing forms, inventory appraisals and real estate evaluations that are all mandatory when filing a claim. Did you realize that in order to collect, the burden of proof (of both pre-loss condition and ownership) is on YOU? We know this business inside and out and we’re here to give you peace of mind. Moreover, we’re here to make sure you get a fast, fair, maximum settlement, without the stress.