PUBLIC insurance ADJUSTER FAQ

GENEREAL QUESTIONS

Will I get a higher settlement if I will hire a Public Adjuster?


Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.

Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.

Studies have clearly demonstrated that the most inventories compiled by insured without the help of a Public Adjuster are very incomplete.




Can I reopen a claim if I was already paid?


As long as you did not sign a release and the statute of limitation has not passed, you should be able to reopen your claim.




When can I expect my claim to settle?


The average claim settles in 3-4 months on average. The insurance company like to dictate the speed of the claim and the timing of the payment. Our public adjuster will see to it they pay as quick as possible and for the right amount.





CLAIM QUESTIONS

When should I contact a Public Insurance Adjuster?


You should contact Southern Public Adjusting, LLC immediately after a loss. It is most beneficial from the start, we are able to document all of the damage and determine the cause of loss, not to mention we present the loss to the insured company in a way not to jeopardize the claim in anyway. The beginning of the claim development is the most important as it sets the tone for the entire claim process.




Will my insurance company cancel my contract if I will hire a Public Adjuster?


No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by the State.




How will a Public Adjuster prepare a claim?


Southern Public Adjusting, LLC are very skilled negotiators who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. As your Public Adjuster we will meticulously go through all the evidence and document everything for you to get the most out of your settlement.




What is the difference between a Public Adjuster and an Insurance Company Adjuster?


The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can only protect the interest of his/her employer. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.

A Public Adjuster is an insurance adjuster that will only represent the policyholder. They are experts in understanding your policy, coverage and the insurance company responsibilities in order to negotiate the best possible settlement on your behalf.




Who do Public Adjusters typically represent?


Public Adjusters are hired by homeowners, condominium associations and commercial business owners / professionals including but not limited to: attorneys, banks, accountants, business owners, and even insurance adjusters and agents contact us for their own personal losses. Once a person has experienced the benefits of a public adjuster, they will rarely attempt to settle a claim without calling us.




What is a Public Adjuster?


A Public Adjuster is an insurance claims adjuster who advocates for the policy holder in appraising and negotiating an insurance claim. A Public Adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.




Who regulates Public Adjusters?


Public Adjusters are an insurance adjuster expert, who is licensed and certified by the Department of Financial Services or Department of Insurance to work exclusively for the benefit of the policy holder.




How do I know if I need a Public Adjuster?


You should call Southern Public Adjusting, LLC immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development, so we can set the tone for the entire process.




How much does it cost to hire a Public Adjuster?


Our public adjuster only gets paid if we are able to recover money on your claim. The standard Public Adjuster fee in many States is typically 10-25% unless it’s a natural disaster than the fee is typically 10%. All States are different, however. It all depends on the complexities of your claim and details, no two claims are alike. Call us, we can better answer that question 770-310-8730.





SETTLEMENT QUESTIONS

Will I get a higher settlement if I will hire a Public Adjuster?


Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.

Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.

Studies have clearly demonstrated that the most inventories compiled by insured without the help of a Public Adjuster are very incomplete.




Can I reopen a claim if I was already paid?


As long as you did not sign a release and the statute of limitation has not passed, you should be able to reopen your claim.




When can I expect my claim to settle?


The average claim settles in 3-4 months on average. The insurance company like to dictate the speed of the claim and the timing of the payment. Our public adjuster will see to it they pay as quick as possible and for the right amount.