FAQ - Frequently Asked Questions
Insurance policies require the policyholder (YOU) to document and prove your loss to the insurance company. Few people have the necessary expertise or experience to meet this burden.
A public adjuster understands insurance policies. A PA knows about things like current replacement costs, property repair, business income loss, and other elements of property loss that are critical to getting a fair and proper settlement.
- Carefully review your insurance policy. Insurance policies can be long, detailed and difficult to understand. Policies can change from year to year and often require that insurance claims meet specific conditions. Not meeting the conditions can result in your claim being denied or reduced payments for the property loss. A public adjuster makes sure that a claim meets all the requirements of your policy.
- Thoroughly document your loss. The public adjuster should prepare your claim, including all estimates, inventories, photographs, and other information that is required to prove the extent of your loss. They can inspect your property loss and submit proof of loss to your insurance company.
- Work with the insurance company adjuster to agree on the proper amount owed to you. Usually, the public adjuster and the company adjuster settle the claim without controversy.
It is against the law for contractors – including roofing and restoration contractors – to negotiate your claim with your insurance company. Contractors may not hire adjusters to handle your claim.