What Is a Public Adjuster?
A Public Adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of records, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
There are three classes of insurance claims adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent adjusters (independent contractors hired by the insurance company) and public adjusters (employed by the policyholder). “Company” or “independent” adjusters can only legally represent the rights of an insurance company. Knowing which one they are, tells us how to negotiate your claim.
- Evaluate existing insurance policies to determine what coverage may be applicable to a claim.
- Research, detail, and substantiate damage to buildings and contents and any additional expenses
- Evaluate business interruption losses and extra expense claims for businesses
- Determine values for settling covered damages
- Prepare, document and support the claim on behalf of the insured
- Negotiate a settlement with the insurance company on behalf of an insured
- Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled
Typically, a policyholder hires a public adjuster to document and expedite their claims, obtain a more satisfactory claim recovery, more quickly, and completely restore their residence or business operations, and insulate themselves from the stress of engaging in an adversarial role with a large corporation. Policy holders who are not properly indemnified by their insurance carriers may be left with little choice but to hire professional assistance to recover the claim payment to which they are entitled.
In the past, you have hired an attorney for legal issues, an accountant for financial issues, a real estate broker for property issues, and now, you can hire a highly trained public adjuster for all your insurance claim issues!
1. DO NOT SPEAK TO ANYONE FROM YOUR INSURANCE COMPANY WITHOUT US PRESENT OTHER THAN TO VERIFY THAT WE ARE REPRESENTING YOU AND TO GIVE THEM OUR CONTACT INFORMATION AND REQUEST THAT THEY CALL US.
2. DO NOT ALLOW THEM TO SCHEDULE AN APPOINTMENT/INSPECT PROPERTY WITHOUT CALLING US FIRST. NO ONE SHOULD BE THERE WITHOUT US PRESENT.
- We meet with you and pre qualify your business or home, your insurance and your claim.
- If we believe that you have a valid claim and you request our assistance, we will collect:
- A copy of your policy with endorsements, a declarations page, any past estimates or correspondence if your claim has been underpaid/denied.
- We will attempt to collect this information from your insurance company if you don’t have it.
- We will then…
- Do a complete inspection of your property with photos for all peril related damages. Please note that if the damage is from different perils, there will be multiple deductibles.
- Let you know if you need to get any repair estimates for specialty items such as AC units, swimming pools, electrical items, plumbing items and assist you in finding someone to provide that estimate.
- Open your claim for you, if it hasn’t been opened already, by phone, fax and email and provide our contact information to your insurance company and request that they correspond through us to limit the traps that they often set for you in recorded conversations.
- Review your policy for negative policy wording that might hurt your claim so that we know what is/isn’t covered and how to win a negotiation of your policy coverage for full indemnification.
- Request an inspection or re-inspection date with your insurance company’s adjuster and meet them at the property to point out damages and argue policy coverages for you. We will be prepared with industry specific tools and data to back up our position and your claim. THIS INSPECTION COULD TAKE UP TO TWO WEEKS TO HAPPEN AS WE ARE SUBJECT TO THEIR ADJUSTER’S SCHEDULE.
- Once we receive the approval or decline, we will negotiate with your insurance company to properly indemnify your claim…meaning we will fight for every last dollar for you!
- After we think that they have covered all damages, we will explain to you what was/wasn’t covered, why and for how much. We will turn in any additional estimates to back up our estimate amount. We will always ask if you approve of the settlement before accepting any final offers for you and will not close the claim until you give us permission to.
- We will work with your insurance company to get new proceeds distributed to you in a timely fashion.
- We will also assist you in finding qualified contractors that have successfully worked with our clients in your area and provide references if needed for them.
- We will discuss other options with you and your insurance company if the claim is denied or underpaid and how to remedy those in the State of Texas.
How Does ClaimsMate Get Paid?
This money goes directly to the State of Texas.
We are not paid until you receive your insurance settlement.
No Settlement = No Charge
No Recovery = No Fee