We’ve collected the questions we get asked most and put together a 3-part series to answer them. This is the second of three installments.
In the event of a fire or similar destruction of property will my insurance pay the entire loss?
This depends upon the type and amount of insurance you carry. It also depends on your expertise or the expertise of your representative, not that of the insurance company’s adjuster. Many insurance policies may pay more than the amount shown on the declaration page. A qualified Public Adjuster working for you can determine everything to which you are entitled and may even be able to detect secret coverages within your policies.
What states or territories does Professional Loss Adjusters operate in?
We are licensed in Massachusetts, Connecticut, Maine, New Hampshire, Rhode Island, Vermont, Georgia, Colorado, Florida, Louisiana, Mississippi, New Jersey, North Carolina, South Carolina, Texas, West Virginia, Virginia, Delaware, Maryland, Pennsylvania, Oklahoma, Iowa, and the US Virgin Islands.
Why should I hire a Public Adjuster to obtain what is rightfully due to me?
Insurance companies offer to pay what is due to you as they see it. Public Adjusters are your exclusive representatives. With their experience and knowledge, they are better able to obtain a more favorable adjustment for you, the insured.
What is the extent of the Public Adjuster’s responsibility?
We assist with every phase of preparing and presenting your claim and reaching an adjustment for you that is equitable and includes everything to which you are entitled under your insurance policy. Our goal is to help you recover as quickly and fairly as possible so you can return your property to its original (if not better) condition.
How do you determine the actual loss?
Our team takes a physical inventory, obtains all pertinent appraisals, and makes sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing but can make a significant difference in the amount of the final adjustment.
What special help can your team give me with technical questions?
We are the experts to turn to when such matters arise. We are concerned only with your interests. Because of our broad experience and specialized knowledge, we prepare your claim so that you can recover to the fullest extent on your insurance coverages. Most people do not realize that it is up to you to prove your loss. There may be many questions and problems as to how the policy provisions can be applied in different circumstances. Our depth of experience enables us to quickly analyze your situation and offer viable solutions to quickly and efficiently settle your claim. We will review all of this and work side-by-side with you until you approve the insurance company’s final settlement.