by Public Adjuster » Sun Dec 20, 2009 04:39 pm
I keep seeing the same thing...home owners complaining about their insurance company...and the insurance company adjuster.... "i tried to reach him but was unsuccessful" ...." I tried to explain but he wouldnt pay for all of the siding only the damaged portion".....
THAT IS BECAUSE THE ADJUSTER THAT COMES TO YOUR HOME DOES NOT WORK FOR YOU!!!!!!! HE WORKS FOR THE INSURANCE COMPANY. HE ONLY HAS THEIR INTERESTS IN MIND. HE IS THERE WITH ONE PURPOSE...TO NICKEL AND DIME YOU....
As HOME OWNERS you should all be aware of what a Public Adjuster is. We are the only ones that work FOR YOU. We REPRESENT YOU against your insurance company to make sure you get every penny you deserve.
Additionally, the adjuster that shows up at your house, sent by your insurance company, is no the one who decides coverage or amount of payment. He is only there as the eyes for the company. To take measurements and photos...THATS IT. The claims process is one that requires experience, training, and knowledge. Leave it to the professionals who have that.
THAT IS BECAUSE THE ADJUSTER THAT COMES TO YOUR HOME DOES NOT WORK FOR YOU!!!!!!! HE WORKS FOR THE INSURANCE COMPANY. HE ONLY HAS THEIR INTERESTS IN MIND. HE IS THERE WITH ONE PURPOSE...TO NICKEL AND DIME YOU....
As HOME OWNERS you should all be aware of what a Public Adjuster is. We are the only ones that work FOR YOU. We REPRESENT YOU against your insurance company to make sure you get every penny you deserve.
Additionally, the adjuster that shows up at your house, sent by your insurance company, is no the one who decides coverage or amount of payment. He is only there as the eyes for the company. To take measurements and photos...THATS IT. The claims process is one that requires experience, training, and knowledge. Leave it to the professionals who have that.
Posted: Thu Jun 03, 2010 04:00 pm Post Subject: Difference between Public Adjuster & Insurance Adjusters
The public adjuster defends the economic interests of his/her client, while the insurance adjuster doesn't, because it's an impartial and independent person. If you need a public adjuster (removed by moderator-lori),is the one which provides "a lion on your side", fighting for your interests and rights.
Posted: Thu Jun 03, 2010 11:04 pm Post Subject:
The public adjuster defends the economic interests of his/her client, while the insurance adjuster doesn't, because it's an impartial and independent person
How do you figure? NO way a public adjuster is independent OR impartial when their fee/pay is commission based...explain how that is unbiased, impartial or independent?If you need a public adjuster, (removed by moderator-lori) is the one which provides "a lion on your side", fighting for your interests and rights
NO hawking of your wares allowed on this site! NONE!Read and adher to the TOU
Posted: Fri Feb 11, 2011 04:14 am Post Subject: Adjusters writing checks
I had recent damage due to ice dams therefore a relatively small claim. Adjuster from Travelers Insurance did write a check after the inspection so yes - adjusters do write checks. I expect it depends on how complicated and large the claim is. No I did not agree with the amount and spent another month sorting it out but with the assistance of the water remediation/repair company (recommended by the insurance company) who acted as my advocate not an outside adjuster so there were no additional fees. The claim amount went from 3.5K to 9.5K and all was fine. So you're both right in a sense. Adjusters do write checks to settle small amounts however the rapid inspection and check writing process may be too hasty for a thorough mitigation of damages.
Posted: Tue Feb 15, 2011 03:26 am Post Subject: p.a.
Who pays the insurance adjusters pay check? who do they work for? The insurance company. Not the policy holder. Never hire a preferr vender from the insurance company.
Posted: Tue Feb 15, 2011 04:18 am Post Subject:
Who pays the insurance adjusters pay check? who do they work for? The insurance company. Not the policy holder
Who pays the insurance company? The policy holder. So where does the money come from that pays the adjuster? The policy holder.If the insured uses or does not use a preferred vendor how does this affect the adjuster? Not one bit.
Posted: Wed Jul 27, 2011 08:58 am Post Subject: Property Adjusters
A Property Adjusters [Link removed as per TOU] is an insurance claims adjuster who is an advocate for the policy holder in appraising and negotiating a first party insurance claim.
Posted: Thu Aug 18, 2011 11:40 am Post Subject: Reply
Adjusters used to be able to make payment on claims. Meaning they use to approve their own estimates and payments to the insured. You can see why this would prove to be unwise. Insurance Companies have 'in-house" examiners to review all work submitted by Independent and Property Adjusters and are ultimately the ones that review and make a decision on payment.
Posted: Wed Mar 28, 2012 08:09 pm Post Subject:
I have experience as both an Independent Adjuster and as a Public Adjuster and can see both sides of this argument. The truth is that in Florida it is very rare that an insurance company adjuster is able to pay the claim, I have seen it happen but only from 1 insurance carrier. Another thing that is different here in Florida is that we do not have all of the large national carriers that do handle their claims with staff adjusters that are actually sent out to adjust the losses, they mostly do use independents that do not have the same influence on the claim.
As a Public Adjuster my experience with Independent Adjusters is that they are not going to be the adjuster that I settle the claim with, they are simply a hurdle we need to go through until we can meet with an Appraiser or at least a claims manager to be able to close the file. My experience with staff adjusters for most companies is much better and many times we are able to come to an agreement that is fair to all.
All that being said, it comes down to the insurance company as they all have different ways of dealing with claims and disputes.
Posted: Fri May 25, 2012 05:40 pm Post Subject:
Any public adjustor who has to advertise themselves on a message board kind of makes you wonder about their quality.
Oh and before you say anything, I'm just a call center pion in an insurance company who happens to be on this board to educate myself. I'm not a Claims Adjustor.
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