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What is a Public Adjuster?
A public adjuster is a professional claims adjuster who represents the interests of the property owner. They are an
authority on loss adjustments and can assist you in preparing, filing, and adjusting your insurance claims. They are
employed exclusively by the policyholder not by an insurance company. They should also be a member of the
National Association of Public Insurance Adjusters (NAPIA).
Why should anyone hire a public insurance adjuster?
Insurance companies seek maximum profits. The adjusters they employ are frequently overworked and underpaid. Many
company adjusters will not have the time to determine everything that you are entitled to. In addition adjusters in the direct
employ of an insurance company have a supervisor urging them to "save" money whenever possible. This "savings" can
be part of their paycheck, raise and possibile promotion. A public adjuster will work diligently to prepare and present your
claim to the insurance company and is not harnessed by any insurance company objectives.
What is the fee for a public adjuster?
The fee charged by a public adjuster is a percentage of the settlement. The fee is usually payable upon the agreed
percentage of each payment from the insurance carrier. The fee is on a contingency basis. If you do not receive settlement
from your insurance company, the public adjuster does not collect a fee.
Why should I use a public adjuster?
After you report a claim to your insurance company, they will send you an adjuster who represents them and their interests.
Even if their adjuster tells you that they are going to take care of you, they know what they have to do to minimize the
amount paid out by the insurance company. As a home or business owner, you may not be familiar with your insurance
policy or the laws under which you have rights. By hiring a public adjuster, you can be assured that your rights are being
protected by a professional who is working for you.
If I read my policy, will I know my rights?
Even if you read your policy from cover to cover, you will not know how the insurance company interprets and applies the
numerous and lengthy clauses and endorsements to the policy. With a public adjuster protecting your interests, you can
rest assured that the policy will be professionally interpreted and explained to you. In addition, there are laws and statutes
that apply to the insurance industry that you may not be aware of. These are things that a public adjuster will be equipped
to handle because they work in the field every day.
Can I handle my own claim?
Yes, anyone can try to prepare a claim, but not everyone is equipped to do so. The public adjuster will have access to the
tools and software needed to handle your claim. The Public Adjuster stands on an equal footing with the insurance
company when it comes to the handling, preparation and presentation of your claim.
How long does it take to settle a claim?
Small claims might take only a few days. The average fire loss can take between 60 and 120 days to process. The length
of time needed is based on the complexity of the claim. Every public adjuster understands the sense of urgency you feel
and the desire you have to quickly resume your daily life. They will do everything in their power to ensure your claim is
processed quickly and efficiently, while at the same time maximizing your claim benefits.
Serving New Jersey and Pennsylvania