Frequently Asked Questions
What is a public adjuster?
A public adjuster is a professional claims adjuster that represents ONLY the policy holder (insured) at the time of loss. Unlike insurance company adjusters, the public adjuster is loyal and dedicated to serving only the insured.
Can I negotiate my own property loss?
Certainly, but it might not be in your best interest to do so. Often property owners are not completely familiar with the terms and conditions of their insurance policy, nor with their rights and obligations in the event of a loss.
Why can’t my agent handle the loss for me?
Your agent is trained, and paid for determining your insurance needs. He is not trained to adjust claims. Your insurance agent is actually working for the insurance company. When you ask someone to divide his loyalties you usually compromise his position.
Why can’t I expect the insurance company adjuster to fairly handle the adjustment for both the company and myself?
As mentioned, the company adjuster is paid by the insurance company. He may offer, or even dictate his assistance in the adjustment of your claim, but his primary purpose is to represent the interest of the insurance company.
Why can’t I use a contractor who assures me he will make the repairs, as well as handle the details of the adjustment?
There are those contractors who claim to be experts in the field of claim adjustments, but, do they hold an adjuster’s license issued by the State Board of Insurance? Probably not. They are usually only able to collect enough money to make repairs as they see them. Without the prper training these contractors can jeopardize your claim, especially if they are not aware of other important facets of your claim, such as additional living expenses, loss of rents, depreciation, and other avenues.
Will the public adjuster’s fee be included in my claim?
No, the public adjuster’s fee is offset by securing an appropriate settlement in excess of what the insured can obtain for himself.
I have a leaking shower pan that has caused damage to my home, is this loss too small for a Public Adjuster to handle?
Absolutely not. Property damage can occur from leaking air conditioning pans, broken water pipes, a high wind storm, or hail. These losses can be as frustrating to deal with as a major property loss. A public adjuster provides assistance on any size damages.
What is NAPIA?
NAPIA stands for the National Association of Public Insurance Adjusters. NAPIA members have joined together for the purpose of professional education, certification, and promotion of a code of professional conduct.