WHAT IS A PUBLIC ADJUSTER?

A public adjuster or a public adjuster solicitor is a licensed person who helps people with property damage. They represent home and business owners when they have damage to their property so that the insurance companies treat them fairly. As a consumer advocate on property loss adjustment, they provide assistance in the preparation and filing of insurance claims. This ensures clients receive fair and equitable compensation for their losses.

Public adjusters are experts who knows property repair and restoration requirements and are skilled negotiators whom work on contingency fee basis (they only get paid if the policy holder gets paid).

The job description:

• Evaluate property damage and determine the nature of loss
• Evaluate insurance policies to determine if the damage is covered by the insurance company
• Educate clients on their insurace policy and the coverage it affords the client
  
• Follow code of ethics and app;y personal experience to see damage and totential hidden costs of repair that might otherwise be overlooked
  
• Compile estimates that accurately reflect the damage to the property and policyholder
  
• Take lots of photo's of the property damage
• Document damage and follow-up
• Protect the policyholder
• Present the loss to the insurance company claims adjuster (most important element)
• Represent and advocate the client's interest to the insurance company throughout the entire claims process
• Negotiate with the insurance company adjuster on behalf of the client
• Process all paperwork to ensure payment is received from the insurance company when the claim is settled