You might be looking for someone to file your commercial or residential property claims but what if that person is a “public claim adjuster” – or a claim adjuster in general? Why not just hire a lawyer, or call your state’s Bar Association? After all, they would know all of the information about claims and how they should be handled.
When you hire a “public claim adjuster” (PCA) or “claims adjuster” (CAA) for residential property claims, you are paying for their services. A qualified physician does not automatically assume that you are sick when you visit an office – and neither does a public claim adjuster. So why would you want someone who will only act as a gate keeper and not provide any useful service to you? If you find a claim adjuster who is making overly-high and outlandish claims about the amount that you could recover – and if they have not even viewed your current insurance policy in full – you might need a different type of claim adjuster.
For example, most states require claims adjusters to carry professional indemnity insurance. The CAA, along with other insurance agencies, has regulations that require claim adjusters to carry at least $10 million of covers (including liability and professional indemnity insurance) at all times. You can find a qualified claim adjuster by checking with your state’s Bar Association and/or by looking online to see if the claims adjuster has a license and certification to practice law.
Some claims adjusters offer their clients a percentage of the total compensation that they recover, either at no cost to the client or a reduced rate, if they choose to pursue that option. If the adjuster’s costs are significantly less than the rates that are negotiated with your insurer and you choose to pursue it, you might be able to receive a substantially higher percentage of your settlement or verdict.
Claims adjusters can help you with many legal questions that you might not be aware of. One of the best reasons to retain a claim adjuster is if you are having difficulties with your insurer on a claim. This is especially true if you are trying to make your own claims process more efficient. In most cases, however, your claims adjuster would work with the insurance company instead of you, so that they can provide the answers to your questions.
Whether you are dealing with a claim adjuster or with your own claims adjuster, it is important to remember that both of you are working for the same company: your best interests are in the forefront of each other’s minds. That being said, you will want to talk to a claim adjuster if you feel uncomfortable about the way in which you are being treated by the insurance company. If you need help in your insurance claim visit www.flpublicadjusters.net.