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	Click here to load this Caspio Bridge DataPage.   Hiring a Property Insurance Adjuster - Public Adjuster Basics 101   What is a Public Insurance Adjuster? How do you find a public adjuster? There are three types of insurance adjusters, Staff, Independent and Public. Staff Adjusters are employed directly by insurance companies, Independent Adjusters works for a company outsourced by the insurance company (independent with respect to which insurance company they work for, but they do not work for the policyholder). Lastly Public Adjusters are hired by the policyholder (you), and exclusively represents only the policyholder and not the insurance company. A public adjuster legally represents the policyholder, and prepares, submits, and negotiates the claim directly with the insurance company on behalf of the policyholder in order to get the maximum settlement   A successful Public Adjuster educates the insurance consumer, uses his or her insurance expertise to help the insured in maximizing their settlement and reducing their frustration and burden. Typical clients are paid $20,000 to 200,000 more after hiring a Public Adjuster. Client Examples - Before $24,000 after $49,400, paid $25,400 more - Before $48,443, After $158,332, paid  $109,889 more.   In Florida, you can re-negotiate a claim after is has been closed or denied up to 5 years later. Each state states may differ. Because your insurance company sends an official letter denying the loss, or stating the amount of loss, complete with policy language, this doesn’t make it so. Insurance companies use two main strategies to keep payments low, Denials and Delays, think of yourself as a legal adversary not a client. Adjusters are paid by the Insurance Company, the insurance company pays their fee, which is a percentage of the claim amount. It is against the law for a policy older to profit from an insurance claim.   There are several things to know when working with insurance claims, Make sure you know and understand the policy detail, deductible, coverage’s etc. Take photographs or video of possessions and store them in a secure place. Conduct a public adjuster search immediately after calling and filing a claim with your insurance company.  Be honest with your insurance company, insurance fraud is a felony. Keep notes on everything that has received damage. Keep notes and call logs of all communications with the insurance company. Show the adjuster all of the damage and be as thorough as possible. Be persistent and don’t give up If the insurance company refuses to pay, demand they explain why  in writing, and always contact professional assistance when needed  Public Adjusters should be licensed and bonded with each state they work in. Begin your public adjuster search today. You can get more info by going to this website www.publicadjustersearch.com

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ADJUSTER CLIENT TESTIMONIALS

"We were so pleased with the services you rendered in getting satisfaction from our insurance company. We had given up all
hope until your company came along. We now have a wonderful new roof and want to thank you for making it possible."

John Reilly
Galveston, Texas


"Thank you for all your support during the most difficult time in our families life. We were in shock after losing all of our
belonging and being forced from our home by a devastating fire months after dealing with Hurricane Jeanne. Soon after our
insurance company refused to pay our claim. That's when a friend told us about public adjusters, and everything turned around
for our family. You gave us a second chance once again. We thank God for you, with out your help we would have lost
everything and with no where to turn. We are now rebuilding our lives and have the money to rebuild a new home, thanks to
you.

Florence Grant
Port St. Lucie


"We would like to thank you for presenting our claim to the insurance company and obtaining a fair settlement in an efficient
and professional manner. We have no hesitation in recommending you to anyone who would like to inquire about your services.
In fact, a friend of ours who resides in Riverbridge will be contacting you shortly.
Muriel L. Ainsworth and Jack R. Hayes"

Gary and Rhona Leggiere
Jensen Beach, FL


"Now that the dust has settled, I would like to applaud you for the excellent job you did as my public adjuster. You were
efficient, willing and able and most important, you got the job done. When the insurance company refused to pay for a new
roof your persistence and follow through achieved what I thought was impossible. You always answered my calls immediately and
were never annoyed by my impatience with the insurance company. Great Job!!"

Mrs. Rona Caldwell.
Admirals Cove Jupiter, FL


"I can't thank you enough for the professional help that you provided us in negotiating with our insurance company on our
behalf as a result of the devastating hurricanes Frances and Jeanne. The initial offers we received from our insurance
company were hopelessly undervalued in relation to the damage our home sustained. We didn't know what to do. And then we saw
your ad in the paper. At first we were skeptical. We thought okay here's another racket that probably won't work. Boy were we
wrong. Your experience and ability to navigate the Byzantine insurance company bureaucracy led to a trebling of the original
offers from the insurance company and allowed us to restore our home completely. In addition you were able to help us obtain
coverage for things that we didn't think we were covered for. Our confidence in your ability led us to recommend you to our
friends and co-workers and they all were just as impressed as we were. Thank you very much for what you accomplished for us.
If we are ever hit by another damaging storm we know who to call."

Ben & Tricia Pennington
Vero Beach, Florida


"I came across your name and phone number and it was the best phone call I made all year. You drove an hour to come visit
with me, survey our damage and look over our claim. Your knowledge, professionalism and calm approach was reassuring to us. I
hired you that day and within a very reasonable time, you had our claim settled to our complete satisfaction. You would keep
me informed on a regular basis and the strategy you recommended was very effective. I have been very impressed with the
outcome you orchestrated for us and would wholeheartedly recommend you to others. I am extremely satisfied that we ended up
with a considerably larger settlement thanks to your knowledge and efforts. In the future, the only difference in this whole
experience is that we would hire you immediately! Thank you for a job well done."

Robert Klaus
Vero Beach, Florida


"I want to thank you for your help during the 2 hurricanes. This was like a miracle! You are incredible! So efficient and
clever. You are my heroes!! Thank you so much.

Claude Stein
Vero Beach, Florida


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