FAQ
Frequently Asked Questions
A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
Since the insurance company and its independent claim adjuster are often two parts of the same organization, they have conflicting interests in representing you and the company at the same time. Generally, the insurance company adjuster will settle for an amount he sees as reasonable for a claim, not always in favor of the insured. A public adjuster is an expert on insurance matters who will only help the insured. In order to negotiate a better settlement, we will read the fine print and understand your policy, coverage, and the insurance company’s responsibilities.
You’ll almost always be compensated more when you choose to use a public adjuster rather than an insurance company representative, simply because the former is adept at presenting a case for coverage. We go through all the evidence step by step, carefully inspect the loss site, and accurately document the damage.
Several studies have shown that most inventories compiled by insureds without the assistance of a public adjuster are very incomplete.
A public adjuster is an insurance adjuster expert who is licensed and certified by the Illinois Department of Financial Services to work exclusively for the benefit of the policyholder.
Public adjusters work with a wide variety of individuals and organizations. This includes attorneys, banks, accountants, business owners, and, occasionally, agents and insurers as well. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.
No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of
It’s usually not too late, even if it seems that way. Local law gives you some time to file a supplemental claim after the date of loss. If you believe you were paid the wrong amount, please contact us to request an investigation. We will carefully audit and analyze your claim and give you our professional opinion.
You should call us immediately. Our involvement at the beginning of the claim development is most beneficial to all parties so that we can set the tone for the entire process.
To represent a customer’s interests, public adjusters may use appraisers, engineers, accountants, and all sorts of other professionals, depending on the needs of the case. In order to maximize your settlement, a public adjuster will go through all the evidence and document everything.
We offer our services to everyone, there are no claims too large or too small for us. Just give us a call and we will answer any questions you might have about your claim.
A small percentage of the amount recovered from the insurance company is the standard fee for public adjusters. These fees are regulated by the Illinois Department of Financial Services.
Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.