Do Public Adjusters Really Represent You?

Public adjusters are usually the first line of defense when an insurance dispute arises. A Public Adjuster works for the homeowner or business owner, the public adjuster represents the general public and not the insurance company. The stressful time following property damage is a difficult time for homeowners or business owners. A public adjuster can ease your stress, save you time and let you get back to your home or business. A public adjuster is an advocate for the insurance policyholder in appraising and negotiating an insurance claim. Public adjusters can legally represent the rights of an insured during the insurance claim process. It is always important to let the public adjuster review your claim even after you have settled with your insurer.

Public adjusters can only work with insurance claims related to personal or business property damage. Auto, life and other types of insurances claims cannot be handled by a public adjuster. Furthermore, many states require every public adjuster to be licensed and bonded in order to represent a policyholder in their respective state. A licensed and bonded public adjuster is an asset to have on your side. Most insurance adjusters are well educated and experienced within the insurance industry and fully understand the many aspects of handling claims, dealing with insurance companies and informing policyholders of their rights and limitations.

There are 3 classes of insurance adjusters

1) Staff adjusters (employed by an insurance company or self-insured entity).
2) Independent adjusters (hired by the insurance company).
3) Public adjusters (employed by the policyholder).

The public adjuster’s responsibility to the policy holder includes:

• Evaluating your existing insurance policy to determine what coverage may be applicable to an insurance claim.
• Determining the approximate values for all covered damages
• Making recommendations to improve your current insurance policy.
• Negotiating for the maximum possible settlement with the insurance company on behalf of an insured.
• Performing a policy review of your current insurance, which should be done at no cost to the policyholder.

Don’t let your insurance company take advantage of you. If being treated fairly and getting paid quickly are important to you, contact a local licensed and bonded public adjuster. A public adjuster will protect and defend a homeowner in their fight to get the money they deserve.

American Claims Ensurance has assisted numerous homeowners and business owners that receive much higher settlements from their insurance company if they were to go at it alone.

We handle all types of claims including the following: