What You Need to Know

Here are some answers to some of the most common questions Public Insurance Adjusters are asked:

  1. When was the last time you read and understood the insurance policy that covers your home or business?
  2. What is a public insurance adjuster?
  3. Can I prepare my own claim?
  4. Why do I need help in filing an insurance claim?
  5. Why should I engage a public insurance adjuster to obtain what is rightfully due to me?
  6. In the event of a loss, what steps should I take?

When was the last time you read and understood the insurance policy that covers your home or business?

Many people have difficulty understanding the technical language of the insurance policy and the complicated procedures they must follow to comply with the policy’s terms.

Most people do not realize that insurance company adjusters are trained professionals who represent the interests of the insurance company which employs them.

You can protect your interests by employing a public insurance adjuster whose sole responsibility is to serve you, the insured.

Public adjusters are retained for the adjustment of insured claims due to fire, wind, water, vandalism, and other perils. The public insurance adjuster serves commercial businesses, financial institutions, professional firms, homeowners, and the general insuring public.

What is a public insurance adjuster?

An authority on loss adjustments who you can retain to assist you in preparing, filing, and adjusting your insurance claim.

Can I prepare my own claim?

Sure, but it stands to reason that the FAPIA public insurance adjuster who has years of experience and training can do so with more competence than the policyholder.

Why do I need help in filing an insurance claim?

The typical fire 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 loss. Most people do not know or understand the 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 insurance adjuster rather than an inexperienced insured.

Why should I engage a public insurance adjuster to obtain what is rightfully due to me?

Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured.

In the event of a loss, what steps should I take?

Promptly report the loss to the agent or broker, or directly to the insurance company – and immediately retain the services of a public insurance adjuster to serve you.

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