What does a Public Adjuster do?
So What Does a Public Adjuster Do?
Public Adjusters are
the best kept secret in the insurance industry. The insurance lobby is
very powerful, and continually tries to influence legislators to keep
us away from the public. In major brush fires, when a state of
emergency has been declared, lobbyists succeeded in stopping public
adjusters from offering their services for a full week after the fires
were out. In other words, the insurance companies wanted to have the
policyholder all to themselves so that they could control everything.
They didn't want the insured's to be approached by public adjusters. If
you wonder why this is, click the page marked "RESULTS" showing the
insurance company's original settlement, and the final settlement after
we were retained. If you owned an insurance company and held profit
sharing meetings every year, would you want to have a public adjuster
like me involved in every single one of your claims? After you check
this, go to the California Department of Insurance website, and see how
much the insurance company loss ratios have plummeted over the past
several years. My book explains WHY these loss ratios have dropped so
dramatically. An unwary, unsuspecting and unknowledgable "insured" is
who they prefer dealing with.
The examples shown are just a small sampling of actual claims which we
worked on, and which we can verify. In case after case, we are able to
obtain the maximum settlement for our clients. These are not isolated
cases, but are typical of what we do. While there are no guarantees
that we could obtain the same results on your claim, we can quarantee
that we will get you every penny to which you're legally entitled. The
question is "Do you want your insurance company to keep that money and
add it to their year end profit, or.....do you want us to fight for you
to get it back from them?"
The California Department of Insurance licenses and regulates us. We
have to pass rather stringent testing to get this license. Insurance
company adjusters aren't required to do the same. Do you wonder why?
Many times, we have to make the company adjuster aware of the
requirements imposed on them. They don't like us much because we make
them work harder, and we look everywhere possible to obtain for you the
full policy benefits to which you are entitled. We work very hard to
get you every penny. Insurance company adjusters are very, very busy
and tend to miss a lot of things that we find for them and point out.
Things that you would probably not think of.
ADJUSTPROS has decades of experience working FOR many of the major
insurance carriers, gaining unique inside knowledge of the workings of
companies and adjusters, and how they operate. While the insurance
company adjuster has 40 to 50 claims just like yours, and treats you
like just another claim, we have very few claims, and we make the
adjuster pay attention to your claim. We make him or her take it from
the bottom of his very high stack and put it on the top. Letters,
meetings, phone calls, emails, faxes complaints to supervisors are all
handled by us. We obtain a copy of your policy and file, and make a
thorough review. Insurance companies don't like us much, and would
prefer that we remain a very well kept secret. Now you can see why.
All public adjusting firms are not alike. Surprisingly, many of our
competitors lack experience, and very few, if any, have ever worked on
the "inside" like we have. Even fewer have over 30 years experience.
Some have salesmen who have never adjusted a claim in the entire life
trying to persuade you to hire their firm, and afterwards your claim is
delegated to a SALARIED employee who is just as overworked as the
insurance company adjuster. While you would get promises that your
claim would recieve special attention, the reality is that you are just
another one of their files. A salaried public adjuster that has no
stake in working hard on YOUR file to get you the best settlement,
because he gets his salary no matter what. Our company operates
strictly on a commission basis, and we handle only a few select files.
We have a vested interest in your claim, and work hard to get you every
penny to which you are entitled. To get you the best settlement
possible takes time and expertise. Don't trust your circumstances to
someone that has very little of both! YOUR claim is ALWAYS our top
priority!! We don't try to be the biggest, but we try to be the very
best. We believe in personal service.
