What is a Public Adjuster? A Public Adjuster is a professional claims adjuster licensed by the state insurance commissioner who represents the interest of the property owner in the result of a property damage claim to a home or business. They are in-fact the upmost authority on loss adjusting and can assist you throughout the claims process. We are employed directly by YOU, the policyholder, not by your or any insurance company. We exist solely to ensure the best possible result for you!
Why should I hire a Public Insurance Adjuster from Tri-State Public Adjusters? While insurance companies seek maximum profits, the adjusters they employ are frequently overworked and underpaid. Many company adjusters assigned to your claim will not have enough time to determine everything you are entitled to. In addition, the adjuster assigned to your claim is either working directly for your insurance carrier or was hired to do so, part of their pay and company status is based on them saving the insurance company money. Tri-State Public Adjusters will work diligently to prepare and present your claim and is not harnessed by any of those restraints.
What is the difference between an Adjuster, Independent Adjuster and a Public Adjuster? An Adjuster is a representative sent directly from your insurance carrier to adjust your claim. An Independent Adjuster is an adjuster that works independently for your carrier for perhaps several carriers, who is hired by your insurance carrier to adjust your claim (this is not better do not get them confused with us.) APublic Adjuster from Tri-State Public Adjusters is an adjuster hired right away by an insured to represent them in all negotiations to ensure a positive result.
Can you wait to hire a Public Adjuster and “Go it alone” so to speak? Sure, although we do not recommend the “wait and see approach” I would say we get calls sometimes three times a month from people that decided not to hire us, looking for help. On most occasions, the damage has already been done and we can no longer help them. You typically only really get one bite of the apple. You may also devalue your claim by answering a series of casual questions in conversation without even knowing it.
If you read your policy will you know your rights as a Property Owner? Truth is, even if you read your policy from cover to you will not know how the insurance company interprets and applies the numerous and lengthy clauses and endorsements in your policy. In addition, there are laws and statutes that apply that you may not be aware of. At Tri-State we are all well versed in insurance policies etc., once again we are licensed by the state and are held to a high standard of knowledge.
How long will it take to settle your claim? Small claims may only take days, medium claims maybe weeks, large claims several months depending on the complexity of the claim and the willingness of our opponent. On average between 60-120 days.