A public adjuster is an adjuster which helps an insured who had a reduction in presentation and the preparation of their insurance case. Public adjusters perform quite valuable services to the insured by consulting with the insured on choices available in their own recovery, filling out forms, helping prepare stock lists, preparing quotes on structural damages, helping to find you a temporary place to live if you are home is too damaged to reside in, assisting in negotiations for settlement and many functions that are critical. Public Adjusters work only on like public buildings, businesses and houses. Those are known as first party property claims.
If you have a reduction to your property that resulted from somebody else, that is known as a third party property claim. A good example is when a vehicle runs causing harm. In some scenarios, public adjuster miami will accept customers for third party losses. However, a part case cannot be directly negotiated by Public adjusters. They work with an attorney, or can counsel the customer concerning the extent and value of the third party loss. Public Adjusters do not manage Bodily Injury losses, for example occur in an auto crash. For assistance in those sorts of losses, consult with a personal injury lawyer.
Public adjusters have to be licensed adjusters, and are governed by your state’s Insurance Department. Some countries have licenses for Adjusters. Call your state’s Insurance Department office to find more info out. You’ll find contact info to the Insurance Commissioners in this book’s Appendix for all states. Lots of the people on the insurance provider side take it personally when a policyholder hires a general adjuster. Many believe that the policyholder should trust adjuster and the insurance company to do the perfect thing, and not question them.
Public Adjusters are not lawyers, and the attorney connection is not the same as the relationship between a Public Adjuster and an insured. He is just doing it to postpone and cause you problems if your adjuster or insurer examiner attempts to pull that stunt. Call his manager or call the Department of Insurance. Is this not amazing? The insurance carrier gets angry at you when you employ somebody that will help you submit a claim, and then writes the coverage, makes the rules difficult to comprehend. This could be like the Internal Revenue Service because you hired an accountant. But it occurs, despite the fact that it makes no sense. The environment is changing, though. After the hurricane seasons, a respect has grown over the insurance community concerning professionalism and the value of a licensed Public Adjuster. Do you think that once you hire Adjusters and the insurance companies are not happy? There is one reason. Usually, when a PA is involved, the dollar amount of the claim is greater than a claim with no PA.