1. Are you in any way connected with insurance companies?
This is a common mis conception, their are three types of Adjusters. The first is a company adjuster that works for and reports directly to the insurance company. The second is known as an I.A. independent adjuster working for a third party company that also works for and reports directly to the insurance company. These two types of Adjusters server one master the insurance company. The last and most important Adjusters are Public Adjusters, they work for the insured Directly and their alegence is to you the insured and you alone.
This is a common mis conception, their are three types of Adjusters. The first is a company adjuster that works for and reports directly to the insurance company. The second is known as an I.A. independent adjuster working for a third party company that also works for and reports directly to the insurance company. These two types of Adjusters server one master the insurance company. The last and most important Adjusters are Public Adjusters, they work for the insured Directly and their alegence is to you the insured and you alone.
2. How is a Public Adjuster different from an adjuster appointed by your insurance company?
Public Adjusters have only one interest in mind, yours and only yours. We do not work for, or report to insurance companies in any way. We go to bat for you to maximize your recovery after a loss. We have a solid track record on claim recovery to far exceed the insurance companies primary offer. We do this by understanding policy language, insurance procedures and requirements along with construction practices.
Public Adjusters have only one interest in mind, yours and only yours. We do not work for, or report to insurance companies in any way. We go to bat for you to maximize your recovery after a loss. We have a solid track record on claim recovery to far exceed the insurance companies primary offer. We do this by understanding policy language, insurance procedures and requirements along with construction practices.
3. How many years have you been in business?
Accredited Public Adjusters, LLC was formed in 2003 with the founder having a long history with related business in construction and insurance restoration. Our focus is to provide valuable services to the insured to properly adjuster and negotiate a fare and accurate settlement.
Accredited Public Adjusters, LLC was formed in 2003 with the founder having a long history with related business in construction and insurance restoration. Our focus is to provide valuable services to the insured to properly adjuster and negotiate a fare and accurate settlement.
4. I already cashed my check from the insurance company. Can you still negotiate my claim?
Yes, in most cases if you were underpaid for your loss we can reopen your claim and renegotiate a supplemental payment for your damages. Your policy will provide a time limit for any claims being reopened, in most policies this can be from three to five years. This will depend on the type of policy, the State you live in and the statues governing your State.
Yes, in most cases if you were underpaid for your loss we can reopen your claim and renegotiate a supplemental payment for your damages. Your policy will provide a time limit for any claims being reopened, in most policies this can be from three to five years. This will depend on the type of policy, the State you live in and the statues governing your State.
5. I reported the claim to my insurance company two weeks ago and an adjuster still hasn’t been to my home what do I do?
Not to make excuses for insurance companies but in the event of a hurricane or windstorm there is generally very wide spread damages with tens of thousands of claims being reported. Insurance companies generally filter calls as claims are coming in. the questions asked by the insurance company representative help them to determine roughly how bad your damages are. Most insurance companies do not handle claims based on when the claim is reported, but handle them by visiting the most heavily damaged homes and businesses first followed by what they feel is lesser damage based on your initial phone call to them. Please do not understate your damages during your initial call or you may be put on the backburner until your insurance company can get more adjusters located to your area.
Not to make excuses for insurance companies but in the event of a hurricane or windstorm there is generally very wide spread damages with tens of thousands of claims being reported. Insurance companies generally filter calls as claims are coming in. the questions asked by the insurance company representative help them to determine roughly how bad your damages are. Most insurance companies do not handle claims based on when the claim is reported, but handle them by visiting the most heavily damaged homes and businesses first followed by what they feel is lesser damage based on your initial phone call to them. Please do not understate your damages during your initial call or you may be put on the backburner until your insurance company can get more adjusters located to your area.
6. My claim was denied, can you help?
In many cases we have been very sucsessful in turning around claim denials. Your claim may have been denied for any number of reasons. We will exust every possible option to determin if your claim was properly denied. After our investigation we will advise you as to our professinal oppion weather or not to prosue the reversal of your claim. We have a very good track record for reversing claim denials, so give us a call.
In many cases we have been very sucsessful in turning around claim denials. Your claim may have been denied for any number of reasons. We will exust every possible option to determin if your claim was properly denied. After our investigation we will advise you as to our professinal oppion weather or not to prosue the reversal of your claim. We have a very good track record for reversing claim denials, so give us a call.
7. My insurance company’s adjuster has been to my home, what happens next?
In the event of catastrophic damage most insurance companies employ the help of independent freelance adjusters that specialize in catastrophic or “CAT” claims. These adjusters are moved all over based on where natural disasters occur. Unfortunately, these adjusters are commonly overworked due to the nature of the catastrophe. This may cause an excessive delay in you receiving reimbursement or payment for your damages. This independent adjuster does not work for you he has been employed by the insurance company to be their eyes and ears for the insurance claim. Please see our blog on the different types of adjusters for more information on adjuster types. He will prepare a computerized estimate of damages for which your insurance company will base its payment to you on. This can take anywhere from 1 week upwards to 2 months from the time the adjuster first visits the property.
In the event of catastrophic damage most insurance companies employ the help of independent freelance adjusters that specialize in catastrophic or “CAT” claims. These adjusters are moved all over based on where natural disasters occur. Unfortunately, these adjusters are commonly overworked due to the nature of the catastrophe. This may cause an excessive delay in you receiving reimbursement or payment for your damages. This independent adjuster does not work for you he has been employed by the insurance company to be their eyes and ears for the insurance claim. Please see our blog on the different types of adjusters for more information on adjuster types. He will prepare a computerized estimate of damages for which your insurance company will base its payment to you on. This can take anywhere from 1 week upwards to 2 months from the time the adjuster first visits the property.
8. The amount the insurance company is going to pay for my windstorm / hurricane claim is not enough to fix my home! What can I do?
You do not have to accept the amount that your insurance company is “offering” you to settle the claim. Most people are unaware that they can contest the amount to be paid with their insurance company. Many people fear that if they stand up to their insurance company that their policy will get dropped or their rate is going to go up. This is generally not true. Insurance companies base your premium on risk. If you have suffered windstorm damage you can expect your premium to go up but not as a result of you disputing your claim. Rates will generally increase due to changes in insurance company’s risk models. Insurance Companies may drop some policies but again this is not because you had a claim, or are disputing your claim, it is generally because insurance carriers may be trying to reduce their risk, such as in a coastal area. You have the right to hire an experienced and professional Public Insurance Adjuster that works for you and not the insurance company. We can determine the amount of damages to your building and contents and negotiate with the insurance company on your behalf to increase the total recovery.
You do not have to accept the amount that your insurance company is “offering” you to settle the claim. Most people are unaware that they can contest the amount to be paid with their insurance company. Many people fear that if they stand up to their insurance company that their policy will get dropped or their rate is going to go up. This is generally not true. Insurance companies base your premium on risk. If you have suffered windstorm damage you can expect your premium to go up but not as a result of you disputing your claim. Rates will generally increase due to changes in insurance company’s risk models. Insurance Companies may drop some policies but again this is not because you had a claim, or are disputing your claim, it is generally because insurance carriers may be trying to reduce their risk, such as in a coastal area. You have the right to hire an experienced and professional Public Insurance Adjuster that works for you and not the insurance company. We can determine the amount of damages to your building and contents and negotiate with the insurance company on your behalf to increase the total recovery.
9. Where can I find more information about your company?
I would start by reviewing our website, then try a google search on our company name. their are many ways to find out information about our firm. You may even contact N.A.P.I.A or F.A.P.I.A associations for licensed and registered public adjusters.
I would start by reviewing our website, then try a google search on our company name. their are many ways to find out information about our firm. You may even contact N.A.P.I.A or F.A.P.I.A associations for licensed and registered public adjusters.
10. Where can I find some customer testimonials?
Try our website or call us, we would be happy to provide you with this information.
Try our website or call us, we would be happy to provide you with this information.
11. Why hire a Public Adjuster? Won't my insurance adjuster settle my claim fairly?
I would love to say that they will, but if that were the case, firms like ours would not be in business and doing so well. Let me ask you this, would you go to court without your attorney? would you have surgery from a non licensed doctor? I bet not, so why would you allow the insurance company to tell what your property is worth and how much they want to pay you for the damages. Our firm is dedicated to maximize your claim recovery based on the coverages your policy provides.
I would love to say that they will, but if that were the case, firms like ours would not be in business and doing so well. Let me ask you this, would you go to court without your attorney? would you have surgery from a non licensed doctor? I bet not, so why would you allow the insurance company to tell what your property is worth and how much they want to pay you for the damages. Our firm is dedicated to maximize your claim recovery based on the coverages your policy provides.
12. Will I have to pay for your services if you do not collect money on our behalf?
We work on a contingency fee basis, which means if we can not acquire additional insurance proceeds, you owe us nothing. Our fee is based on a small percentage of the proceeds and is commonly regulated by the state in which your property is located.
We work on a contingency fee basis, which means if we can not acquire additional insurance proceeds, you owe us nothing. Our fee is based on a small percentage of the proceeds and is commonly regulated by the state in which your property is located.
13. Will my insurance company cancel me if I hire a Public Adjuster?
I can not guarantee what insurance companies may or may not due in the future. I will say it is unethical in my opinion for them to do so and illegal if done while you have a pending open claim.
I can not guarantee what insurance companies may or may not due in the future. I will say it is unethical in my opinion for them to do so and illegal if done while you have a pending open claim.
