10 Tips for Hiring a Public Adjuster

Helping insureds through the complicated insurance claims process is our passion.   We feel so strongly about the value of hiring a reputable, competent, and experienced public insurance adjuster to handle your claim that we want to offer some valuable advice on how to hire the best.  Here are 10 tips you should consider when choosing a Public Insurance Adjuster.

1. No Pressure

If you are being pressured or rushed by a Public Insurance Adjuster to sign a contract with them, this should be a red flag.   Be certain that the Public Adjuster has answered all of your questions, and allowed you ample time to fully read and comprehend the contract.

2. Right Fit

Is this adjuster/company the right fit for you?  The insurance claim process can be lengthy depending on the complexity of your case and will require a good working relationship with your public adjuster.  Be sure that you are comfortable with their personality, ethics, and communication skills.

3. Experience and Credentials

A professional and competent public insurance adjuster should be able to articulate how their experience and industry credentials will be of benefit to you.  Ask them if they have any designations, certifications, etc that will set them apart from other adjusters/companies.

4. Associations/Affiliations

Is the public adjuster a member or do they attend any professional associations, organizations, networks, or conferences.  Respected associations and organizations hold their members to high standards of professional conduct and ethics.  Some respected memberships may include NAPIA, AAPIA, The Windstorm Network, First Party Claims Conference, BBB.  Many of these can be verified through the organizations website.

5. Licensed

Be sure to ask your public adjuster for their appropriate license number.  You can verify this information on your states department of insurance website.  This is very important as it is against the law in many states to act as a public insurance adjuster without the appropriate license.

6. References

Ask the public adjuster for references.  They should be able to supply an ample amount of references for you to reach out to.  Follow up with those references to verify that the public adjuster communicated effectively, and the references were fully satisfied with their services.  You can also check the public adjuster’s website for any client testimonials, case studies, etc.

7. Who will handle your Claim?

Be sure that it is clear who will personally be handling your claim for you.  Some companies employ individuals whose primary responsibility is sales and are not involved in the actual handling of your claim.  Ask them to explain who will be physically handling and overseeing their claim, who the main point of contact will be, and how involved will they be in the process.  You want to make sure that the representative that is actually handling your claim is qualified and the right fit for you.

8. Discuss Fee Structure

Ask the public adjuster to completely explain how the fee structure will work.  If you have already had an offer, is the fee on the Gross or Net amount of the claim?  Will they be assisting you with Additional Living Expenses?  If so, will the fee apply to this portion of the claim?  Will the fee be assessed to any Emergency Service Invoices?  Will the fee include the use of experts?  Be sure that you fully understand and are comfortable with how the public adjuster will be compensated.

9. Reputation

You can check third party websites to see the reputation of the adjuster/company.  This information may be available on sites like BBB, Yelp, Google, Angies List, Department of Insurance, etc.

10. Free Consultation

Ask the public adjuster to give you a free consultation and be wary of any adjuster that guarantees or promises definite results on your claim without first thoroughly reviewing your policy, claim documents, and damages.  They should be able to discuss ways that they feel that they can bring value to your particular claim.