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  • Writer's pictureLucy Viggiano

Public Adjuster.............What's That?

A public adjuster is a licensed insurance professional who represents policyholders (individuals or businesses) when they file an insurance claim. Their role is to assist policyholders in navigating the claims process, ensuring they receive a fair and accurate settlement from their insurance company.

Here are some key points about public adjusters:

  1. Independent representation: Unlike insurance company adjusters who work for the insurance provider, public adjusters work independently on behalf of the policyholder. Their loyalty lies with the policyholder, advocating for their best interests.

  2. Claims expertise: Public adjusters possess in-depth knowledge of insurance policies, coverage terms, and the claims process. They use this expertise to help policyholders understand their rights, properly document and present their claims, and negotiate with the insurance company to maximize their settlement.

  3. Damage assessment and documentation: Public adjusters assess the extent of the loss or damage incurred by the policyholder. They thoroughly document the damage, gathering evidence, photographs, estimates, and other relevant information needed to support the claim.

  4. Claim preparation and submission: Public adjusters assist policyholders in preparing and submitting their insurance claims. They ensure that the claim is complete, accurate, and includes all necessary supporting documentation to increase the chances of a favorable outcome.

  5. Negotiation and settlement: Public adjusters negotiate with the insurance company on behalf of the policyholder to achieve a fair and equitable settlement. They work to maximize the amount the policyholder receives based on the terms of their insurance policy and the extent of the loss or damage.

  6. Fee structure: Public adjusters typically work on a contingency fee basis, where their fee is a percentage of the final settlement amount. This fee is agreed upon in advance and is only payable if the policyholder receives a settlement.

It's important to note that public adjusters are regulated by state laws, and their licensure requirements may vary. If you find yourself in a situation where you are filing a significant insurance claim, hiring a public adjuster may be beneficial to ensure you receive a fair settlement and to navigate the complexities of the claims process.

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