Frequently Asked Questions

  • Upon discovering your property has damage it’s best to contact Action Public Adjusters immediately so we can help you report your claim. Delay in engaging our services, puts the amount that you’re entitled to recover at risk. Always wanting to put your best information forward, contacting Action Public Adjusters immediately is to your benefit. Your interest and the insurance company’s interest are not the same. Many times insurance carrier’s claim centers ask tricky questions to potentially confuse policyholders into saying things which may compromise coverage on their claim. As the saying goes “anything you say, can and will be used against you”. To protect yourself against these errors, it’s best to contact a Public Adjuster at the first sign of damage to your home or business. The Public Adjuster will gather all the correct, pertinent information and help report the claim in a timely and efficient manner to the carrier.
  • There are three types of adjusters, a company adjuster who the insurance company has on staff. An independent adjuster, who the insurance company hires. The insurance company pays them to handle their claims and protect their interests. A Public Adjuster is the only adjuster who is the policyholder’s advocate. The Public Adjuster works only for the policyholder, representing their interest and maximizing the claim for the insured, not minimizing for the insurance company.
  • Think about it, the insurance company makes out better if you are not on a level playing field with them. They use lingo special to the insurance industry that you may not fully understand. Hiring your own expert will not slow down the process; it actually puts you in the same league as the insurance adjuster. Insurance contracts can be a confusing mix of words, leaving policyholders unsure of what coverage’s actually may be. Though your insurance agent placed your coverage, their allegiance is to the insurance company. Additionally they might not be able to clarify to your satisfaction the questions you may have.
  • Claim adjusting is a really specialized industry. It is not just putting numbers to the paper and receiving all you have asked for. There is negotiation involved in the process and preparing the claim to put you in the best situation for this negotiation. Relying on your insurance company to calculate the amount of damage and honestly putting forth what you are owed, you are not likely to recover a full fair settlement.

    Insurance companies who are in the business to turn a profit send out their adjuster who will possibly value damages to your property differently than you. Many times they make a decision you are not covered for some of your damages. Often times their offer will not even come close to the value needed to restore the damaged property.

  • Once you sign a contract with a Public Adjuster, they will notify your insurance company. At this point all correspondence will be directed towards the public adjuster. The public adjuster should continuously keep you informed and updated of all correspondence and make you aware of the progress of your claim.
  • Mitigation/Restoration companies sent out by the insurance company are beholden to the insurance company. Their bread-and-butter business comes directly from the insurance company; it is not in their best interests to protect you and your concerns with your claim. Insurance companies send out their own preferred contractor whose job it is to define the scope of damage and estimate costs for repair. These companies as stated previously are measuring the loss for the insurance company not for YOU. Their job is to protect the financial goals of the insurance company not protect your goals as the policyholder.
  • The only licensed professionals to represent a policyholder with an insurance claim is a state licensed Public Adjuster or a lawyer. The benefit of hiring a Public Adjuster over a lawyer is number one it does not make economic sense. Number two is the daily experience the Public Adjuster has in this field. Lawyers are qualified to do this work, but generally this is not the only work they do. Public Adjusters review and handle claims 365 days a year and stay current with education on new laws/rules to adjusting.
  • No one should ever request a power of attorney be signed over; this is a BIG RED FLAG. Public Adjusters have state licensed contracts clients must sign. These are determined by the state.
  • Insurance companies lead you to believe that a quick payout is in your best interests. Policyholders will be more satisfied and look favorably on the carrier. What looks like great customer service may actually be an attempt to settle a claim and convince you to settle for less money due to stress you are under and just a desire to “finish the claim”. We recommend taking your time and making sure you are completely protected. Don’t feel rushed or sign anything until you understand all ramifications of your claim.
  • Severe property damage creates all kinds of complicated issues. Coverage’s you are due under your policy and damage you can’t see may be missed. Experience professional help ensures you will not miss damages that can be submitted as part of your claim.
  • Insurance carriers are required to respond to you and process your claim in a specified period of time when certain conditions are met. The public adjuster understands these nuances and can assist with this. If you are getting the run-around with your claim, seek immediate help from an expert in this field.
  • The Public Adjuster is paid on a contingency fee basis. Be careful when you are interviewing adjusters, this fee should not be more than 25%. The fee you agree to pay is dependent upon the size, type of loss and status of the loss. The amount the adjuster is paid comes from the proceeds you receive from the insurance company. The contract you sign is between you and the adjuster not the insurance company. The adjuster with their knowledge and experience are better suited to maximize your claim and get a better return than trying to handle a claim without their professional advice.
  • Public Adjusters are not attorneys. They are state licensed professionals whose sole job is to represent policyholders with insurance claim negotiations with insurance company. Knowledge is important; this is the only industry Public Adjusters engage in. Their experience matched with information gained over years puts public adjusters in the best position to negotiate your claim. There is a monetary consideration when deciding whom to engage to represent your best interests with a claim.

    There may be times an attorney is needed if legal issues arise in your claim. Denial of claim, and bad faith are two examples of conditions that require an attorney representation.

  • As long as you did not sign a full and final release, you can engage a public adjuster. You may be required to sign a proof of loss or partial proof of loss, in order to receive some check from the insurance company. There are also statute of limitations that you need to be aware of that may apply to your claim.

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You should not rely solely on the insurance company to prepare your damage claim. Their financial interest is not the same as yours. Our licensed public adjusters service Rhode Island, Massachusetts, and Connecticut will provide documentation critical to maximizing your settlement. Don’t wait, let the Action Public Adjusters team work to get you the settlement you deserve.

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