Description of a property claim

The insurance claim adjuster is responsible for assessing the damage and deciding what monetary amount you are due for the damage. There are three categories of adjusters. (1) Company/Staff Adjuster – This is an adjuster that is employed by the insurance company. (2) Public Adjuster – This adjuster is not employed by a particular insurance company but instead serves the public. They are sometimes termed private adjusters as well. He/she will file the claim on your behalf and work to get you the settlement that you deserve for the damages that you have endured. Public Adjusters do require a fee, however, as a claimant, your settlement is typically larger than it would be without their assistance. In addition to the increase in settlement amount, you don’t have to stress through the claims process. They are generally compensated on a percentage basis of the settlement that is collected for your damages. The percentage amount varies among adjusters. (3) Independent Adjuster - This adjuster typically serves multiple insurance companies, especially during disastrous situations such as hurricanes. Catastrophic situations usually leave insurance companies under-staffed and they hire independent adjusters. This type of adjuster works to protect and ensure the best interest of the insurance carrier.

A Public Adjuster will often obtain a higher settlement from the insurance company than if you go it alone. This is usually because he will present your claim in a more experienced and calculated manner than you are prepared or trained to do. A claim that carries significant details will typically end in a greater award value. We assess each piece of evidence, strategically and with great precision, assessing the site of loss and documenting the extent of the damage. Studies have indicated that claims carried out without the assistance of a Public Adjuster are typically not processed to completion.