How to Find a great Public Adjuster

The best way to locate an experienced public adjuster can be found through the National Association of Public Insurance Adjusters. NAPIA will provide recommendations in every state that has licensed public adjusters. The Public Insurance Adjuster is the only adjuster who is licensed to represent an insured in the event of a property loss. More than 43 states and the District of Columbia require an adjuster to be licensed in order to represent the insured.

An experienced public insurance adjuster will serve as your advocate and assist you navigate through the maze of insurance to ensure you get the full amount that you are entitled to under your insurance policy. However, there are many steps to be taken before you are able to collect: valuing the loss, presenting it to the insurer and negotiating an agreement. Insurance policies can be complicated and conditional. Full payment for the loss is not guaranteed.

Public adjusters can help determine the extent of coverage and the cause of the loss to evaluate the carrier's offer or refusal.

After a disaster, fire victims are often bombarded with inquires and offers from general contractors and public adjusters, as well as other companies offering to assist them. This is normal. The fact that you are being solicited does not necessarily mean that they're doing anything wrong. But, you must be careful and to do your research prior to signing up to their services.

If the public adjusters are not part of NAPIA, (National Association of Public Insurance Adjusters,) be wary.. They might not have the legal or insurance expertise to effectively represent you. Here are some warning indicators:

1. They make huge promises but do not offer any guarantees.

2. Their fees are outrageous. Most legit Public Insurance Adjusters fees range between 5% to 12% with an average of 10 percent. Certain public adjusters might be more expensive on smaller claims, or when they are employed midway through the claim process.

3. If you feel pressured make a quick decision, run. Professional PAs are aware that the choice to have someone represent you to get your home and life back together is a momentous one. This is not a decision to be taken quickly. This could one of the most costly decisions you make in your life. Make sure you take your time and be sure that you feel comfortable with the adjuster that you employ.

4. Check their web site and address. If they don't have Claims anything other than the business card, you should be cautious. If the only address they have is a PO box, it could be a warning sign.

5. It is often preferential to employ an individual who is local. Someone who knows the local market for housing as well as reconstruction costs, who is aware of the assets of the community and how best to make use of them. A local PA might also have previous experience working with representatives of the major insurance firms in the region and may be in a position to cut through a lot of the bureaucracy and red tape in order to make sure that you receive what you owe to you more quickly.

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