All about adjusting insurance claims with Public Adjusters
A public adjuster (PA)
is an adjuster that assists an insured who has had a loss in the preparation
and presentation of the insurance claim. Public Adjusters perform really
valuable services to the insured by consulting with the insured on options
available in their recovery, filling out forms, helping prepare inventory
lists, preparing estimates on structural damages, helping to find you a
temporary place to live in case you're home is too damaged to even think about
living in, assisting in negotiations for settlement and many logically vital
functions. Regardless, earlier you have to understand about Public Adjuster Why
hire a public adjuster?
Public Adjusters work
just on losses that involve property, for example, homes, businesses and public
buildings. Those are called "first party property claims."If you have
a loss to your property that was caused by someone else, that is called a
"third party property claim." An example is the place a vehicle runs
into a dwelling, causing damage. In some situations, Public adjusters
near me, will accept clients for third party losses. Regardless, PAs
cannot straightforwardly negotiate a third part claim. They can either advise
the client as to the degree and value of the third party loss, or work with an
attorney in presenting the claim.
Public Adjusters don't
handle Bodily Injury (Casualty) losses, for example, happen in an automobile
accident. For assistance in those kinds of losses, consult a personal injury
attorney. There's an easy way to understand the capacity of a Public Adjuster.
PAs usually have to be licensed adjusters, and are usually regulated by the
Insurance Department of your state. Some states have special licenses for
Public Adjusters. Many of the individuals on the insurance company side take it
personally when a policyholder hires a public adjuster. Many really believe
that the policyholder ought to just believe the insurance company and adjuster
to make the best choice, and not ever question them.
Adjusters and
insurance company personnel sometimes play games with their own policyholders
when the insured hires a PA. I've heard claims examiners refuse to speak with
the insured by phone, telling the insured that, since they are addressed, all
conversations have to encounter the PA. For more information, look at this page.
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