We work hard to get you the maximum amount of money for your insurance claim.
When was the last time you read and understood the insurance policy that covers your home or business?
It can be hard to understand the technical jargon in your insurance policy and the complicated process of complying with all of the policy’s terms. And, most people don’t realize that insurance company adjusters are professionals trained to pursue the objectives—one of which is to pay out as little as possible—of the insurance company they work for. An accredited Public Adjuster on the other hand has the sole responsibility of working for you, the insured. Our goal is to get you the largest settlement possible so you can repair or rebuild and get on with your life.
Professional Loss Adjusters is a leading firm in the adjustment of insured claims due to fire, wind, water, ice, vandalism, and other perils. We work with commercial businesses, financial institutions, professional firms, condominium complex managers, rental property owners, homeowners, and others. If you experience a loss, it’s very much to your benefit to consult a Public Adjuster, specifically one accredited by the National Association of Public Insurance Adjusters (NAPIA).
We know the players and the playbook. We’ve worked with them many times before. Why not leverage our experience to your advantage?Patrice Green, Professional Loss Adjusters
What is a Public Adjuster?
A Public Insurance Adjuster follows a well-defined code of ethics established by the National Association of Public Insurance Adjusters (NAPIA). NAPIA members participate in the association for professional education, obtaining certification, and adhering to the association’s code of professional conduct and ethics.
How can an accredited Public Adjuster help me?
We are proactive defenders of your interests. We have the expertise and experience required to research, document, and negotiate a claim based upon all of the damage and costs associated with your loss. There is a lot of work involved in building a complete, well-documented claim; we do this work for you, and we are the best in the business.
In the event of a loss, what steps should I take?
First, immediately retain the services of an accredited Public Adjuster to act on your behalf and negotiate a fair settlement. While you are required to promptly report the loss to your agent or broker, or directly to your insurance company, according to terms within your policy, it is in your best interests to let your Public Adjuster report the loss on your behalf, so that you can be sure it is reported correctly.
Will you help me receive a more prompt and satisfactory settlement?
Yes. We comply with your insurance policy requirements to quickly collect and evaluate the facts and prepare the claim. Our highly trained team does extensive research, preserving evidence that might otherwise have been overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster we can accomplish an equitable and proper settlement for you.
Once a policyholder has worked with and enjoyed the benefits of hiring an accredited public insurance adjuster, they wouldn’t think of trying to settle a claim any other way. Our most frequent sources of new clients are the recommendations from those we have previously served.
Why do I need help in filing an insurance claim?
The typical insurance policy contains hundreds of provisions and stipulations — various forms and riders that are constantly changing – and many complex details about your requirements in case of an insurance loss. Most people do not know or understand policy provisions, and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced Public Adjuster rather than an inexperienced insured. A Public Adjuster not only has your confidence, but also that of company adjusters who recognize that they are dealing with a professional.
Are Public Adjusters connected with insurance companies?
No. They are employed exclusively by you—the policyholder—not by an insurance company. However, many of our Public Adjusters are former employees of insurance companies. They understand how to read and interpret insurance policies and know the ins and outs of how the claims process works.
Can I prepare my own claim?
Sure, but keep in mind that our accredited licensed Public Adjusters, who have years of experience and training, can handle your insurance claim with more competence and speed. We know exactly what to do and when to do it. More specifically, we will assist you in the preparation of inventories, estimates and other factual proofs of loss. We handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policy. We will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment. Many homeowners and business owners who have tried to settle their own claims have ultimately come to us because they find themselves in the weeds—going around and around with their insurance company and experiencing delays. We know how to deal with this and how to cut through the insurance company’s red tape. Adjusting claims is our full-time job. It’s what we do, every day. Many of our clients have described feeling great relief in having someone else handle the time-consuming business of managing their claims. Working with us means you don’t have to learn a new language – the language of an insurance policy. You don’t have to take time from your everyday life to track down insurance adjusters, remediation companies or attend to the myriad other details that are part and parcel of adjusting an insurance claim. Hiring us means you can get back to the business of rebuilding your business or getting on with your life, confident that you have an expert team working on your behalf.
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, as well as accomplishing an adjustment for you which 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 with you, working side-by-side with you until you approve the insurance company’s final settlement.
Are you trained specialists?
Yes. In nearly all jurisdictions, a Public Adjuster must be tested, licensed, bonded, and authorized to practice his/her profession. All members of our team are accredited by NAPIA, the National Association of Public Insurance Adjusters. All of our adjusters are required to complete a minimum of continuing professional education credits within the license renewal period as a condition of maintaining licensure. All of our adjusters have many years of experience in both insurance and remediation field work.
How much do you charge for your services?
Our fee is a percentage of the insurance company’s settlement with you. By seeking to maximize your settlement, our services can save you well more than the cost of our fees. Plus, we take on all of the work of preparing and substantiating the claims which helps you avoid the stress of dealing with the insurance company. Hiring us means you can get back to the business of rebuilding your business or getting on with your life, confident that you have an expert team working on your behalf.
Do you handle claims other than fire?
Yes. We will assist you in any claims you may have due to windstorm, flood, hail, explosion, and any other insured losses that are sustained (inland marine, business interruption, rental income, improvements and betterments, commission and profit, reporting forms, additional expense, etc.).
Do you sell insurance or act as insurance agents?
No, if we were to do so, we would become a representative of the insurance company and would no longer represent you exclusively and independently.
What if I have a question about insurance coverage or the insurance industry?
State insurance departments are also the appropriate place for information about licensees, insurance law, and regulations.
The National Association of Insurance Commissioners is a good place to get started for information about your state’s insurance information.