Public Adjusting Agents have a very important role to play. They are responsible for many things that can go wrong or go right with a home or commercial property. They make a number of recommendations and decisions regarding the overall health of the structure and also for insurance claims. They are sometimes called upon to decide if a home needs to be vacated as a result of insurance violations and when this happens, they are responsible for making that decision.
They are there to protect the rights of the people who own the property. These determinations are based on the facts of the case. Some people simply don’t understand why they need to pay an independent agency to help make these determinations. If you do not understand why you need to go through an Adjuster then ask your real estate agent. Ask them why it is important.
In fact, many people feel that the insurance companies should decide whether a house needs to be foreclosed upon. They believe that the insurance companies have the best interests of the mortgage holder in mind and not the home owner or tenants. That is why we hire a public adjuster.
When they work at the county office, they have no bias. The public understands how important these professionals are to the process. The fact is that when too many people suffer from insurance violations, they cost the counties money. Many people who suffer serious injuries in accidents at home or business premises will have to be taken to a hospital. This is a very costly thing for the community.
For example, let’s say that there was a car accident at your business. A public adjuster would be responsible for investigating the incident. They will review the police report and then contact the insurance company. Sometimes they will want to talk directly to the injured party. If it is safe for them to do so, the public adjuster may talk to the injured person on the telephone. If it is not safe, they will try to get all of the information from the insurance carrier.
Why do we hire a public adjuster? The main reason why is because they can make an accurate and fair estimate as to what insurance costs will be for your home. They also have the knowledge to help the insurance adjuster to negotiate the best deal for you and the company. They will listen to your concerns and suggestions along with the insurance carrier.
What is a public adjuster and why does he or she need to be hired? Public adjusters must be licensed by the state to ensure that he or she is doing the job correctly. The state will determine the qualifications based upon the job responsibilities and education provided by the adjuster. Some states require insurance agents to be licensed in order to serve their community. A public insurance adjuster will have experience dealing with issues that involve many different people in the process of getting the settlement or the payment.
How do we choose a good public insurance adjuster? We want someone who has dealt with similar cases in the past and can tell us how they were handled. We also want someone who is experienced and well trained. A professional public adjuster should know what to ask and what to look for when gathering information for a case. They should know how to communicate properly with all parties and be willing to accept any challenges to their estimates.
Do we really need to have a public insurance adjuster? There are times when an insurance claim is very straightforward and there are times when it seems that every detail is covered. This means that you do not need to have a professional adjuster on your team. If you already have an in-house insurance team, then you may consider having them work on the case instead. However, if you feel that you have a big case and need all the help you can get, then you should consider getting a professional to help you.
How do we find out if a public adjuster is right for our needs? One way to find out is to talk to other insurance agents and see what they think of their own offices. There are also online review sites where you can read what real customers have to say about local offices. If you do not feel comfortable about calling the office and leaving a personal contact number, you can always use the phone number that the public adjuster uses for all calls. This is usually listed somewhere on the caller ID so you will know who will be able to answer your call.
When do we hire a public insurance adjuster? There are certain situations where an in-house team may not be enough. Perhaps your business is large and complex, or you have many different types of insurance. In these cases, it is best to use an independent party to handle your insurance needs. In any case, you want to make sure that you are properly insured, and a qualified public adjuster is the best way to get that done.
