WHO SHOULD USE THE SERVICES OF A PUBLIC ADJUSTER?
Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.
WHEN SHOULD I CALL ACE PUBLIC ADJUSTER, LLC FOR SERVICES?
You should call us 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.
WHAT IS A PUBLIC ADJUSTER?
A public adjuster is an insurance claims adjuster who works for the policyholder 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.
A public adjuster is an insurance professional who works for a fee on behalf of the policyholder to settle a claim. They will help to:
• Valuate the total loss, including building damage, your personal property and contents of your house, and additional living expenses while repairs are being made;
• Review your policy to identify all aspects of coverage that could be applied to your claim;
• Present the claim to your insurance carrier;
• Negotiate with the insurance carrier on your behalf; and
• Settle the claim quickly and efficiently for the maximum amount you are entitled to.
WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND A INSURANCE COMPANY ADJUSTER?
The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. 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 expert who works exclusively for you, the policyholder. We are experts in reading the final print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement.
WHO REGULATES A PUBLIC ADJUSTER?
A public adjuster is an insurance expert who is licensed and certified by the Georgia Office of Insurance and Safety Fire Commissioner to work exclusively for the benefit of the policyholder after they have experienced a storm, fire, wind or water loss to their property.
WHAT IS THE COST FOR HIRING A PUBLIC ADJUSTER?
The standard fee for public adjusting services is a small percentage of the amount recovered from the insurance company and a fraction of what you would pay an attorney. These fees are regulated by the Georgia Office of Insurance and Safety Fire Commissioner.
IS THERE A MINIMUM VALUE REQUIREMENT FOR A CLAIM?
We only get involved in claims where our services are needed. Therefore, there is no claim that it is too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion.
WILL I GET A HIGHER SETTLEMENT IF I HIRE A PUBLIC ADJUSTER?
You may receive a higher settlement from the insurance company if you use a public adjuster since your claim will be presented much more favorably and with careful attention to your policy coverage. The more detailed and complete your claim is when first filed, the more likely you are to receive a higher settlement. We go through all the documents step-by-step, carefully inspect the loss site, and correctly document all of the damage.
HOW DOES A PUBLIC ADJUSTER PREPARE A CLAIM?
Public adjusters are skilled negotiators who use the services of appraisers, engineers, accountants, and all sorts of other experts as needed. A public adjuster will meticulously go through the insurance policy, the damaged property and any other damaged items, to document everything for you to get the most out of your settlement.
THE INSURANCE COMPANY HAS AN ADJUSTER WHO IS ASSIGNED TO MY CLAIM — WHY CAN’T I JUST USE HIM OR HER TO HELP SETTLE MY CLAIM?
There is one key difference between a public adjuster and the adjuster provided by an insurance company: a public adjuster works on behalf of the policyholder to settle a claim for the maximum amount possible, while the insurance company’s adjuster works on behalf of the insurance company. The adjuster assigned to your claim by your insurance company will be looking out for the company’s best interests.
As a policyholder, it is your duty to prove to your insurance company the money that you are owed. By hiring a public adjuster, you will have a professional working on your behalf through every step of the process.
CAN I HIRE AN ATTORNEY TO SETTLE MY PROPERTY DAMAGE CLAIM?
Public adjusters are experts in determining the total scope and value of property damage. When a policyholder turns to an attorney to help settle a claim, it’s not uncommon for a public adjuster to be hired by the attorney for their expertise in these areas.
CAN THE PUBLIC ADJUSTER I HIRE WORK AS MY CONTRACTOR FOR MY PROPERTY DAMAGE?
No, it is considered unethical but your public adjuster may be able to recommend a few good contractors to help you. Public adjusters are professionals who are licensed to work on behalf of the policyholder to settle property damage claims.