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How can public insurance adjusters help?
Before rebuilding, a comprehensive assessment of all losses is conducted. Our public insurance adjusters are skilled in preparing claims to ensure you receive a fair and equitable settlement and ultimately save you money.
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What should I look for in a public insurance adjuster?
As with other professionals - experience and performance are important. Your public insurance adjuster should employ its own staff of insurance adjusters, building and contents appraisers, inventory specialists and certified public accountants.
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Why are staff specialists important when selecting a public insurance adjuster?
Specialists assure the technical competence, teamwork, loyalty, and continuity that will produce a full and fair recovery. Our in-house insurance adjusters are responsible for coordination and management of your claim.
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When should I consider hiring a public insurance adjuster?
Immediately! Our public insurance adjusters will inspect your loss, review your policies and answer questions without cost or obligation. The initial steps you take could have a profound effect on the outcome of your claim.
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What is the role of my insurance company’s insurance adjuster?
As an insurance company representative, the insurance adjuster and other experts review, audit and adjust your claim documentation from the perspective of the insurance company.
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What information will be required to prove my claim?
Your documentation must include all or part of the following:
- Detailed unit cost appraisal to replace building damage.
- Detailed physical inventory and appraisal of all furniture, fixtures, equipment, and stock.
- Insurable value appraisal for any co-insurance requirements.
- Identification and evaluation of your insurable interest in any of the betterments and improvements.
- Physical depreciation schedules for all property.
- Determination of salvage disposal.
- Analysis of income loss for any Business Interruption claim.
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Will my insurance company’s insurance adjuster require contractor estimates?
The insurance adjuster will obtain estimates that will measure your loss from their perspective. You will be at a disadvantage without an appraisal prepared by experts who are looking out for your interests.
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What problems do public insurance adjusters commonly encounter when adjusting a claim?
All claims are subject to differences of opinion. Typically, disagreements arise concerning the scope of damage, restoration required, applicable depreciation and labor and material costs.
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Who can help me the most - my insurance agent or a public insurance adjuster?
Insurance agents are experts in selling insurance. They rarely have the specialized knowledge to prepare claims. Insurance companies rely on adjusters, not agents, to settle claims. Further, the burden of proving the claim rests with you, the policyholder.
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How much does it cost to retain the services of public insurance adjusters?
Usually, our fee is a small percentage of the settlement. Our past clients have found that the services provided by our public insurance adjusters have been financially beneficial.
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