Insurance Claims – Contact a Public Adjuster!

Call a Public Adjuster to evaluate your claim!

A public adjuster (PA) is an adjuster that assists an insured who has had a loss in the preparation and presentation of the insurance claim. PAs perform very valuable services to the insured by consulting with the insured on options available in their recovery, filling out forms, helping prepare inventory lists, preparing estimates on structural damages, helping to find you a temporary place to live if you’re home is too damaged to live in, assisting in negotiations for settlement…and many more vital functions.

Public Adjusters work only on losses that involve property, such as homes, businesses and public buildings. Those are called “first party property claims.”

If you have a loss to your property that was caused by someone else, that is called a “third party property claim.” An example is when a vehicle runs into a dwelling, causing damage. In some situations, PAs will accept clients for third party losses. However, PAs cannot directly negotiate a third part claim. They can either advise the client as to the extent and value of the third party loss, or work with an attorney in presenting the claim.

Public Adjusters do not handle Bodily Injury (Casualty) losses, such as happen in an automobile accident. For assistance in those kinds of losses, consult a personal injury attorney.

There’s an easy way to understand the function of a Public Adjuster. Compare them to an attorney in a lawsuit, or a Certified Public Accountant or tax preparer when filing your tax forms with the Internal Revenue Service.

Let me ask you some questions:

If someone filed suit against you, would you represent yourself in court? Or, would you just call the plaintiff and say, “You’ve already got a lawyer. Why don’t we just use yours?” Neither choice protects you, does it? hire a dallas public adjuster

Would you allow the IRS to prepare your tax return for you? If you did, would you expect the IRS to do its best to find every tax deduction for you so that you paid the least tax or got the biggest refund?

Do you file your own tax returns, or do you hire a tax preparation professional to prepare your tax return on your behalf?

Do you hire a tax professional because:

1. You don’t have time to do it yourself?
2. The IRS has written a tax code that is too complicated for a normal person to understand?
3. You usually get a larger refund, or smaller tax liability, when you use a professional…because the professional finds more deductions for you?
4. The fee you pay is usually far less than the additional money you save?

OK then…you’ve just found comparable reasons to use Public Adjusters.

1. You need your own experts to help you file your claim.
2. Policies are written by the insurance companies and are usually complicated and hard to understand. These policies are known as “contracts of adhesion,” because they inherently benefit the author of the contract, the insurance companies.
3. Many people are not willing to take the time to learn about their policies and learn the claims process.
4. Some people are too busy with work, and family, and life, to handle their own claim…especially in the turmoil immediately after a significantly large claim.
5. Public Adjusters usually help the policyholder collect hundreds or even thousands more dollars when the policyholder submits a claim. Their fees are a very small percentage of the amount of the settlement.

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