Here are some answers to some of the most common questions we are asked about Public Adjusters:
1. When was the last time you read and understood the
insurance policy that covers your home or business?
2. What is a public insurance adjuster?
3. Can I prepare my own claim?
4. Why do I need help in filing an insurance claim?
5. Why should I engage a public insurance adjuster to
obtain what is rightfully due to me?
6. In the event of a loss, what steps should I take?
When was the last time you
read and understood the insurance policy that covers your home or business?
Many people have difficulty understanding the technical
language of the insurance policy and the complicated procedures they must
follow to comply with the policy's terms.
Most people do not realize that insurance company adjusters
are trained professionals who represent the interests of the insurance company
which employs them.
You can protect your interests by employing a public adjuster
whose sole responsibility is to serve you, the insured.
Public adjusters are retained for the adjustment of insured
claims due to fire, wind, water, vandalism, and other perils. The public
insurance adjuster serves commercial businesses, financial institutions,
professional firms, homeowners, and the general insuring public.
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What is a public insurance
adjuster?
An authority on loss adjustments who you can retain to
assist you in preparing, filing, and adjusting your insurance claim.
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Can I prepare my own claim?
Sure, but it stands to reason that the FAPIA public insurance
adjuster who has years of experience and training can do so with more competence
than the policyholder.
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Why do I need help in filing
an insurance claim?
The typical fire policy contains hundreds of provisions
and stipulations - various forms and riders that are constantly changing
and many complex details about your requirements in case of loss. Most people
do not know or understand the policy provisions - and most do not realize
that the burden of proof is on them, the policyholder. Most insurance company
representatives actually prefer to work with an experienced public insurance
adjuster rather than an inexperienced insured.
A FAPIA public insurance adjuster not only has your confidence
but also that of company adjusters who recognize that they are dealing with
a professional.
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Why should I engage a public
insurance adjuster to obtain what is rightfully due to me?
Insurance companies offer to pay what is due to you as
they see it. Public insurance adjusters are your exclusive representatives.
With their experience and knowledge they are better able to obtain a more
favorable adjustment for you, the insured.
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In the event of a loss, what
steps should I take?
Promptly report the loss to the agent or broker, or directly
to the insurance company - and immediately retain the services of a public insurance adjuster to serve you.
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