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FAQs

insurance claim public adjuster faq

Q?

What does a public insurance adjuster do?

A.

A public adjuster is a loss management expert.  Public adjusters work for policy holders with their best interests in mind. They do not work for your insurance company.  They perform a number of functions for their clients, including but not limited to:

  • Researching, documenting, verifying, and authenticating any damage to property, buildings, and their contents
  • Researching, documenting, verifying, and authenticating additional expenses incurred by the policy holder as a direct or indirect result of the loss they’ve suffered to support their claim
  • Determining the costs of the losses incurred
  • Calculating and preparing estimates for settlements
  • Negotiating on behalf of the policy holder with their insurance company in order to gain an accurate settlement
  • Challenge denied and underpaid claims
  • Re-open claims when a discrepancy is discovered

Q?

Should I Use Or Hire A Public Insurance Adjuster?

A.

Absolutely. While your insurance company ostensibly serves you as its customer, there are times when an insurance company’s interests may collide with those of the policy holder.  A public adjuster, on the other hand, always prioritizes the needs and interests of the policy holder.  When using a public adjuster, clients almost always receive significantly higher settlements.

Q?

Why can’t my insurance agent handle everything for me?

A.

While your insurance company won’t require you to have a public adjuster, there are several reasons you should not allow your agent to handle the entire process.  First, you’re likely to get a more accurate assessment and higher settlement if you use a public adjuster.

Second, the insurance process is a complex one, which is not designed for clarity or the ease of the laymen.  A public adjuster understands the process and the jargon and loopholes in your policy, and has a vested interest in helping you understand them as well. A mistake on your part could delay your claim, or even result in its denial—why take the chance?

Q?

Can my lawyer act as an adjuster on my behalf?

A.

No. If your claim crosses the boundary into legal territory, and you file suit against your insurance company, you should hire a lawyer. However, lawyers are unnecessary unless either the policy holder or the insurance company wishes to seek legal action. Furthermore, they are neither trained nor qualified to do loss assessment—and usually, a lawyer will request a public adjuster to handle this aspect even if they are on the case.

Q?

Once my insurance company offers a settlement, do I have to accept it?

A.

No. Prior to accepting your settlement, there are numerous methods you can use to dispute your insurance company’s findings. Your public adjuster can guide you through this process.

Q?

Should I call a public adjuster before calling my Insurance Company?

A.

It’s a good idea to do so.  In fact, you should call your public adjuster before taking any action in response to the loss (aside from preventing further damage).  A public adjuster can advise you as to whether or not the claim is worth filing, and can also assist you in fulfilling your “responsibilities after loss”—obligations imposed upon you by your own policy. Fulfilling these requirements will aid in the speedy, accurate resolution of your claim.

Q?

I already accepted a settlement, is it too late to renegotiate?

A.

Usually, there is room for renegotiation if there are discrepancies or mistakes that were overlooked when you filed your claim.

Q?

Can my contractor negotiate my claim? Can a public adjuster also act as my contractor?

A.

No to both questions. It is considered a conflict of interest—and a serious one—for public adjusters to work as contractors on claims they are handling, and for contractors to handle claim negotiations.

Q?

Are public adjusters certified or licensed as professionals?

A.

Yes.  Certifications and licensing vary by service area.  All Claims USA adjusters are fully licensed to serve our clients.

Q?

What is NAPIA? Are you a NAPIA member?

A.

NAPIA (National Association of Public Insurance Adjustors) is an organization dedicated to educating the public about public adjusters and promoting a high standard of public adjuster professionalism, knowledge, and expertise. All Claims USA, like all reputable public adjusters Boca Raton FL, is a member.