Should I Hire A Public Adjuster?
The burden of proof to prove the extent of your loss to the Insurance Company lies squarely upon your shoulders.
Insurance policies can be complex and contain confusing language.
There are also many conditions, exclusions and limitations. Policy language gets very technical. This adds to the stress of an already distressful loss experience.
For an insurance company to write that check which will allow you to rebuild after your loss, there are certain conditions which must be satisfied. Failure to do so could reduce your settlement amount or worse cause your claim to be denied.
What Is A Public Insurance Adjusters Job Description?
The public adjuster’s duties and responsibilities are to:
- Examine your current insurance policy and make an assessment of what coverage is fitting and appropriate to your claim.
- Conduct extensive research, document, verify and authenticate any damage to property/buildings, its contents and any other additional expenses that support the claim on behalf of the insured.
- Determine the cost of business interruption losses.
- Calculate and prepare estimates for covered damages
- Negotiate a settlement with the insurance company on your behalf
- Assist in reopening your claim if additional damages are found
When Should You Hire A Public Insurance Adjuster?
- If you have just SUFFERED what is considered “an insurance loss” a public adjuster is highly recommended!
- If you want a LEVEL playing field during an insurance claim loss get a public adjuster
- If you want the MAXIMUM entitlement that your policy qualifies you … you got it Hire a public adjuster!
- As policy holder you should use a public adjuster as it PROTECTS you from the stress of engaging in an adversarial role with a large insurance corporation.
- Consider using Skyline Public Adjusters if you want your claim to be documented properly and presented
Skyline Public Adjuster Advice – Get an adjuster, BEFORE the fact-finding stage. This will give us more time and better leverage to assist you the policyholder in getting a fair settlement for all losses legitimately covered under the insurance policy!
How Does A Public Insurance Adjuster Get Paid?
The question “how do public insurance adjusters get paid?” is often at the forefront of any insurance policy holders mind. Skyline Public Adjusters LLC does not assess any fees until you receive money from your insurance company. This practice ensures that we are working exclusively for you (the insured), for the best possible outcome of your claim settlement amount. Skyline Public Adjusters retains a fixed percentage (determined on case to case basis) of the total settlement amount.
Before Hiring A Public Adjuster – What You Should Know
Public Adjuster Check List:
- Is the Public Adjuster licensed in the state of the loss and is there a public insurance adjuster code of ethics. Public insurance adjusters MUST be tested, licensed and bonded in most states.
- Does the Public Adjuster have consumer reviews (Yelp!, Google+, Facebook etc), client testimonials & references? Are they willing to provide you this information upon request?
- What are the Public Adjusters personal credentials? e.g., certifications, past business experience pertaining to the insurance industry, construction industry etc?
- Have they explained to your satisfaction how they are to be paid?
- Have they detailed how recovery funds are remitted?
- Are diligently interested in your case?
- Does the public insurance adjuster contract spell out in detail what is to be expected?