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A public adjuster is an advocate for the policyholder in appraising and negotiating an insurance claim. Public Adjusters exist since of the inherent conflict of interest that exists if one person or entity attempts to represent two sides of a financial transaction. Public Adjusters are the only type of claims adjuster that can legally represent the rights of an insured during an indemnity claim process. It is always wise to let Public Adjuster review your claim even after you have settled with your insurer.

It is important to note a Public Adjuster can only work with insurance claims related to personal or business property damage. Automobile accidents, life indemnity and other types of insurances claims cannot be addressed by a Public Adjuster. Also, most States want every Public Adjuster to be licensed and bonded in prescribe to represent any Policyholder in the respective State. A licensed and bonded Public Adjuster is the best to have on your side as they have had to take categories and be tested on the many scenes of handling claims, insurance companies and policyholders.

There are three classes of indemnity adjusters: staff adjusters (employed through an indemnity company or self-insured entity), independent adjusters (independent contractors hired through the indemnity company) and public adjusters (employed by the policyholder). “Company” or “Independent” adjusters can only legally represent the rights of an insurance company.

Among other things, it is the Public Adjuster’s responsibility to:
1. Evaluates your existing policy to determine what reportage that may be applicable to an insurance claim;
2. Makes recommendations to improve on your existing policy to insure you have the best coverage for your situation. Any changes to the policy are produced through the policyholder’s insurance agent.
3. Determines the appropriate values for settling all covered damages;
4. Negotiates the best possible settlement with the insurance company on behalf of an insured.
* This inspection and policy review is ordinarily done through most Public Adjusters at no cost to the policyholder.
* It is recommended policyholders have this policy consultation and inspection prior to any claims in order to insure they have the best reportage in the event of a claim.
* This relationship is also important to establish prior to any claim, so in the unfortunate event that damage is incurred to the policyholder’s property, they are just a phone call away from having the Public Adjuster’s knowledge, skills and strength on your side correctly from the commencing of the claim negotiation process.

Typically, most Public Adjusters are compensated based on a small percentage of the total settlement they negotiate. By such negotiation, the Public Adjuster’s fee is justified. It is not uncommon to see a 60 to 80% increases in the settlement amount after United States Adjusters is hired by you.

Equally crucial is a Public Adjuster is educated in the same fashion as indemnity company adjusters and independent adjusters. Why is this important? The mediocre homeowner executes not have the slightest idea of all what to look for with damage to their home or what their policy covers. Thus the Policyholder can come up short whenever paying to have the damages taken care of and/or have hidden damage go unnoticed and cause the Policyholder problems in the future.

In short, our Public Adjusters have all the knowledge and skills to work with the indemnity companies to insure you get the max amount of reimbursement for not only the easy to see damage but the hidden damages. Do you want to deal with the negotiation hassles with the insurance companies while at the same time knowing they have decades of experience marketing with policyholders and the knowledge to insure the best interests of the indemnity company that pays them, are taken care of with each case?. United States Adjusters insure that the policyholder’s best interests are taken care of with each claim. So the public adjuster levels the playing field in the policyholder’s best interests

A large majority of policyholders are unaware that Public Adjusters even exist as an option to trading directly with the insurance company representatives. A professional, conscientious Public Adjuster can make a tremendous difference in the amount of a policyholder’s settlement as well as reduce or eliminate the stress and hassle of marketing with property insurance claims.

Typically, most Public Adjusters are compensated based on a small percentage of the total settlement they negotiate. By such negotiation, the Public Adjuster’s fee is more then justified. It is not uncommon to see a 60 to 80% increases in the settlement amount after United States Adjusters are hired through you.

Most of the time a Public Adjuster can re-open your claim and negotiate for more money when discrepancy found after your claim has been settled The fees for a re-opened claim are slightly higher due to all the excess work involved but in the end the Policyholder ends up with more money to take care of their claim then if they did not have a Public Adjuster working on their behalf.

Uchenna Ani-Okoye is an internet marketing advisor

For further information on life insurance policies as well as product recommendations and services, I suggest you check out: Cheap Insurance Life Policy

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