How Does a Public Adjuster Prepare an Insurance Claim?

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A public insurance adjuster is an independent insurance professional that a policyholder may hire to assist in settling an insurance claim on his behalf. A public adjuster has no relationship with your insurance company. Though they can help with the claims process, they cannot get you more money than you are entitled to based on your insurance policy.

When you hire a public insurance adjuster, they take care of everything for you. They also come in handy if you are facing a large claim. They will look closely at your claim and ensure that no damage is overlooked.

An independent adjuster works for you, not the insurance company, so there is no conflict of interest. Your claim payout is their main priority, and the maximum amount will be negotiated.

If you are thinking of hiring one:

Check the references and qualifications. Ask your family and associates for recommendations. Ensure that they are licensed in the state where your loss has occurred. Call your state insurance department to look up their records.

Avoid any public insurance adjuster who pressures you. Read your contract carefully before you sign.

Know the facts after a major disaster. Be cautious of public adjusters who go door-to-door after a disaster.

How do public insurance adjusters prepare for an insurance claim?

Report the insurance claim immediately. The faster the report of your incident, the faster the insurance paperwork will be filed. The investigation can then begin. Your broker will be contacted to understand your situation and how to proceed. They will be provided with a list of all damaged or lost items. The adjuster will help follow up to continue the claims process

Claim investigation begins. After the claim report, the adjuster will determine the amount of loss and damages covered by your insurance policy. Liable parties will also be identified. Witness information and other parties’ information should be provided at this stage. Leave the evidence alone. Photograph the evidence so you will have proof to back up your claim

Policy review. The adjuster will carefully go through your policy to determine the coverage. He will then inform you of any deductibles that may be applied to your case. Be sure to read through it as well so you are made aware of any situations, requirements, ambiguities, or clauses that could potentially limit the coverage amount you will receive

Damage evaluation is conducted. Make a list of damaged inventory and equipment, repair costs, and lost work time hours resulting from the incident. Your insurance adjuster may hire evaluators, engineers, or contractors for expert advice. He will provide you with a list of vendors to help with repairs once the evaluation is complete.

Payment is arranged. Your adjuster will contact you about the claim settlement and payment.

These planned steps will guarantee that you receive the maximum amount of money for your property damage claim to get back to business sooner.

When tragedy strikes your business, contact Capital Adjusting Services via and get a Public Adjuster working on your behalf immediately.

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