As with any decision with significant financial implications, when hiring a public adjuster company, it’s important to ask a few very specific questions first, such as:
1. Do you have experience settling claims for residents and businesses in my city and neighborhood? If so, for how many years?
It's always a good idea to hire a public adjuster that knows your neighborhood well, along with insurance company representatives in your area. When we sit down to negotiate with an insurance company on a client's behalf, being on a first-name basis with the person on the other side of the table can always help.
2. Do you have experience settling insurance claims similar to mine?
Let’s say you wanted to put your 12-million-dollar estate on the market. Well, you most likely wouldn’t hire a real estate agent whose only experience was selling homes in the $200,000 price bracket, right? The same holds true for a hiring a public adjusting In the case of my company, we have settled literally thousands of claims over the last decade ranging from $30,000 to 30 million dollars and everything in-between.
3. Is the public adjuster licensed in your state?
Requirements and testing to become a licensed public adjuster may vary from state-to-state. In my company's home base of Florida, for example, there is an additional requirement to pass an online Adjuster Accreditation Course to become an apprentice for six months before becoming eligible to be a fully licensed adjuster. Only after successfully completing that course can candidates take the state exam to obtain a fully licensed public adjuster. In other states, individuals can take the state exam without any required apprenticeship.
4. Does the public adjuster company offer comprehensive training for new PAs?
We all know that tests don't prepare us for the real The same holds true for public adjusters. That's why my company offers on-the-job training on claims, estimating, negotiating, claim origination, understanding policies, damages and many other "real world" challenges that often come up when representing property owners. In the case of my company, people that join our team have the opportunity to shadow experts in each segment of the process to ultimately become highly qualified public adjusters.
5. Does the public adjuster company have the infrastructure and staffing to fully offer the personalized service you deserve?
A one-person public adjuster shop or very small company might do solid, professional work, but they might also become overwhelmed and not be able to provide the degree of attention your claim requires. My firm is fully staffed with public adjusters, claim specialists, and loss consultants under one roof ready to handle your property damage claims from start-to-finish.
6. Is the public adjuster willing to offer free advice on a very small claim?
My firm is always happy to offer FREE consultations to any property owner regarding their property insurance coverage or property damage issues.