Public Adjusting FAQ
Here are the answers to your most frequently asked questions about public adjusting.
What is a public insurance adjuster?
A public adjuster is an insurance adjuster who works exclusively for the policy holder during the claims process. We represent YOUR interests and not those of the insurance company. A public adjuster, by law, has a financial responsibility to you. Our job as public adjusters is to make sure that you receive fair and equitable compensation for your claim so you are able to return your property to its pre-loss condition.
Why should I hire a public adjuster?
Owning a home, business, or commercial property is stressful enough. That stress is further compounded after a loss. Hiring a public adjuster allows you to take that stress off of your shoulders and put it on ours instead. We know this business inside and out and our goal is to make sure you get a fast, and fair settlement with the least possible amount of stress.
In addition to having a public adjuster on your side, you have our team of experts as well. Depending on your needs, AIA is armed with a professional network including building consultants, inventory specialists, art qppraisers, accountants, and attorneys
Do you know what your insurance claim is worth?
When you file a claim, your insurance company will send an adjuster to assess your damage. However, that adjuster works for the insurance company and has a financial responsibility to the insurer, not to you.
On the other hand, a public adjuster, by law, has a financial responsibility to you. Our job as public adjusters is to ensure you receive fair and equitable compensation for your claim so you are able to return your property to its pre-loss condition.
What types of losses does a public adjuster handle?
AIA is experienced with several types of losses including:
- Burst Pipe
- Transit Perils
- Business Interruption
How does the insurance claim process work?
The process beings by calling us toll free at 888-817-3473. You can also contact us by using the contact form on the site. We will review your message and contact you within (time here) and proceed with your loss assessment. The following is a summary of how our insurance claim process works:
- Inspect the loss site and conduct a comprehensive forensic evaluation of your property.
- Gather photographic evidence and bring in outside experts to evaluate your loss and support your home or business insurance claim.
- Document the full extent of your loss using bills and invoices utilizing industry-leading experts.
- Present your claim, supported by scientific evidence and sometimes even expert testimony in a well documented professional manner.
- Negotiate with your insurance company to receive the largest reimbursement possible best results attainable.
What will our public adjusting services cover?
You will receive a free initial consultation about your property loss. We will inspect the loss site and assess the damage, including problems that may not be immediately apparent. Then, we will gather all of the data to support your claim and determine how much it will cost to rebuild and or replace everything to its original condition.
We will also handle all of the negotiations with your insurance company on your behalf and continue working for you until the settlement check is safely in your hands.
If your home, business, or commercial property sustains damage, contact us before contacting your insurance company. We can assist with properly filing your claim, coordinating the mitigation efforts, preparing a detailed assessment of your damages and finally, negotiating a fair and equitable settlement.