Why use a public adjuster?
What is a Public Adjuster?
A licensed and bonded Public Insurance Adjuster works for the policyholder, and is an expert on loss adjustment and the settlement process. The Public Adjuster is here to assist you, the insured, in preparing, filing and managing the payment of insurance claims regarding property loss through each necessary supplement.
Why do I need help with the claim?
Filing a claim requires a written, itemized statement of your losses. Interpretation of your policy can be difficult, and times require an attorney to determine coverage. You may not realize what the extent of your coverage is or your damage. Filing a claim is tedious and time-consuming. The Public Adjuster can take this burden off your shoulders and free you to do what you do best. Believe it or not, a professionally licensed Public Adjuster is recognized and respected by the insurance companies.
If I work directly with the insurance company’s adjuster, can I get the same end results as I would working with a public adjuster?
The insurer’s adjuster represents the insurer’s interests, not yours so most often your settlement amount will come up short. On your behalf, neither the insurance carrier nor the assigned adjuster is responsible for writing a detailed estimate of your loss. However, they do have responsibility to the department of insurance to thoroughly investigate and document the claim. Frequently, these estimates are missing items and do not accurately reflect today's market costs in your area.
Do I have to accept the claim payment offered to me by my insurance company?
No. Most policies include your right to have an appraisal, and if necessary the right to litigation. In any case DO NOT SIGN ANY WAIVER from the insurance company without having an attorney review it first. Also READ the memo section of check stubs, avoid full and final payments.
Can the Public Adjuster I hire also operate as a contractor for the same claim?
No. A Public Adjuster cannot function as a contractor on any claim he manages and vice versa. Many states have severe penalties for individuals acting as a public adjuster while also acting as a contractor. Beware the contractor who offers to “negotiate” your claim. This may actually put the legitimacy of your entire claim in jeopardy.
Will employing a Public Adjuster cause problems or delays with the insurance company?
Whether or not a Public Adjuster is hired, problems or delays in your claim will exist. However, the Public Adjuster will help expedite the solutions to the problems. The responsible Public Adjuster strives to handle claim discussions with the insurer with mutual respect and professionalism. However, you can contact the State Department of Insurance if an insurance company does not want you to hire a Public Adjuster, that insurer can’t possibly have your best interest in mind.
Will I lose my coverage if I hire a Public Adjuster?
Absolutely not, The Public Adjuster Profession is licensed and regulated by the Department of Insurance in any given state. As a policyholder you have the right to hire an expert who will manage your claim on your behalf. Canceling your policy because you hired a Public Adjuster is a violation of State Law in some states.
What is the difference between a Public Adjuster and the insurance company’s adjuster?
A staff adjuster is a licensed All-Lines Adjuster employed by the Insurance Company.
The insurance company may hire an independent company who bring in their teams to evaluate the loss. Both still have to comply with the approval or denial of your claim, and the best interest of the insurance company are in mind.
The Public Adjuster is employed by you, and works on your behalf. The Public Adjuster is licensed under a specific license to allow them to solicit your business and represent you. All three adjusters require the same Continuing Education credits annually.
Should I hire a lawyer instead of a Public Adjuster?
Most policies specify that you may not bring suit until all provisions of the policy have been complied with. Complying with the terms usually requires the assistance of someone like a public adjuster. Attorneys do not deal with matters of the scope of loss, and will routinely hire a Public Adjuster to perform these services once a case is retained. Public Adjusters and attorneys are separate, yet at times the public adjust will realize at what point to recommend an attorney. In legal disputes with the Insurance company, you should definitely contact a lawyer.
Why can’t my insurance agent handle the claim for me?
Your agent is trained in determining your insurance needs, not negotiating insurance claims. Also it is possible your agent’s hands are tied because their employer is the insurance company.
I have already received a payment for my claim from the insurance company. Is it too late to reopen my file?
Each state has specific time limits and your policy should clarify your deadline date to file for supplemental payments. Call (325)725-1080 for an evaluation and we will do our best to help you.
How is a Public Adjuster compensated?
A Public Adjuster’s compensation is a small percent of your insurer’s claims payments that are made to you. With the help of a qualified Public Adjuster, the fees are usually more than covered by a successful claim payment that is obtained for you. We don't get paid unless we bring a settlement to you.
How do I hire a Public Adjuster?
You can contact our firm by telephone (325)725-1080 or email kevin@turnerclaims.com and request a review of your loss. You will need a copy of your insurance policy. If you do not have it available, you can usually obtain a copy from your insurance agent or insurance company with a request in writing.
Are Public Adjusters licensed professionals?
Yes. Kevin Turner is a licensed and bonded Public Adjuster. License# 2530484