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About

What Is A Public Adjuster?

 

A public adjuster is a licensed professional who advocates on behalf of policyholders when they file insurance claims. Unlike insurance company adjusters, who work for the insurance company and represent their interests, public adjusters work exclusively for the policyholder. They help policyholders understand their insurance policies, evaluate the damage or loss, document the claim thoroughly, and negotiate with the insurance company to ensure a fair settlement. Public adjusters are especially useful in cases of complex claims or disputes with insurance companies. They typically charge a percentage of the claim settlement as their fee.
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What Can A Public Adjuster Do For You?

A public adjuster can provide several valuable services to you as a policyholder:
  1. Claim Evaluation: They can review your insurance policy to understand your coverage and assess the extent of your loss or damage.
  2. Documentation: Public adjusters can help you gather and document all necessary information and evidence to support your insurance claim. This can include damage assessments, repair estimates, and other relevant documentation.
  3. Claims Submission: They assist in properly filing your insurance claim, ensuring that all required information is provided accurately and on time.
  4. Negotiation: Public adjusters negotiate with the insurance company on your behalf to achieve a fair settlement. They have experience dealing with insurance companies and can advocate for your best interests.
  5. Settlement Maximization: Their goal is to maximize your claim settlement by ensuring that all eligible damages are included and properly valued.
  6. Expertise: Public adjusters have a deep understanding of insurance policies, coverage limitations, and the claims process. They can provide guidance and advice tailored to your specific situation.
  7. Claims Management: Throughout the claims process, public adjusters act as your representative, handling communications with the insurance company and addressing any issues or concerns that arise.
Overall, hiring a public adjuster can alleviate the stress of navigating the insurance claims process on your own and increase the likelihood of a favorable outcome.

Know Who You Are Dealing With Before Filing A Claim:

An insurance adjuster's job is to assess the value of an insurance claim and make a settlement offer to the claimant. While they may seem friendly and helpful, their primary goal is to save their company money by offering the lowest possible settlement. Understand they are taught to Deny, Defend, and Delay. Literally !

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It is always a good choice to speak with a Public Adjuster before filing a claim or speaking with anyone from your insurance company (including your agent). This is because every word you say is not only being recorded, but can hurt the financial outcome of your claim. At no cost, feel free to speak with our Public Adjusters prior to filing a claim.

Public Adjuster

Darik M.

I have been providing Public Adjuster services since 2015. During this time, I had the pleasure of learning the claims process through the eyes of litigation Attorneys, Forensic Meteorologists, Engineers and other seasoned Public Adjusters. From Tornados, hail, wind, fire and theft,  I have represented Businessowners, Homeowners, Lawyers, Trustee Boards, and Apartment Complexes making sure each client received the financial settlement they deserved.
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