I wanted to take a moment to explain the role of a Public Adjuster, like myself, and set some clear expectations regarding our partnership.
Role of a Public Adjuster:
Representation: I am here to represent you, the policyholder, throughout the insurance claim process.
Evaluation: I will conduct a comprehensive assessment of your property damages and losses.
Documentation: I'll gather all necessary documents and evidence to substantiate your claim.
Negotiation: I will negotiate with your insurance company on your behalf to push that you receive a fair settlement. Guidance: I will help you understand your insurance policy and the complexities of the claims process.
Expectations:
Outcome: While I will fight tenaciously on your behalf, it's essential to understand that outcomes can vary making guarantees impossible. My goal is to ensure to the best of my ability, that the settlement you receive either covers your claim entirely or considerably minimizes your out-of-pocket expenses for repairs. Sometimes the insurer may make the outcome very difficult to maneuver and appraisal or litigation may be necessary, which will be discussed with you before proceeding.
Fees: My fee is contingent-based at a rate of 10-25% of claim check. This means if you don't receive a settlement, you won't receive an invoice for my services. You only pay when you get paid. Fees are charged on “new money” only. Previous payments to the insured are not charged a fee, only checks the insured receives after signing of contract, that are sent to our company address and/or bears our company name.
Timeline: While many claims are resolved in a shorter period, some can take longer, especially if there's an initial denial from the insurance company. In cases where there's a full denial or difficult adjuster, the fight can be tougher, and the process may extend up to 6 months or more. I ask for your patience and understanding in these situations, as I'll be working diligently to secure the best possible outcome.
We are committed to standing by your side throughout this journey, ensuring you get the best possible representation.