When should I contact United States Adjusters?
We feel the best time to contact United States Adjusters is immediately after. It is most beneficial for us to get involved at the beginning to set the tone for the adjusting process, protect the insured from an leading questions that may be asked and to speed the process up.
What does a Public Adjuster do?
Public Insurance Adjusters are licensed by the state insurance department to represent the Policyholder. We professionally detail appraise and document every part of the claim and submit it to the insurance company adjuster. We negotiate a settlement subject to your approval. We take over the entire burden of preparing and adjusting your claim.
What does an Insurance Appraiser do?
When insurance policies contain a certain provision which stipulates that either the insured or the insurance company has the right to invoke "Appraisal" if you disagree to the amount of damage the insurance company is wanting to pay. Learn more about our Insurance Appraisers.
How much does it cost?
The standard fee for public adjusting services is a small percentage of the amount recovered from the insurance company. State insurance departments license public adjusters and regulate fees. On very large claims, fees are negotiable. The cost for Appraisal is typically a time and expense but we have also seen it as a small percentage of the recovery.
Will we be informed and involved in the claim process?
Our Public Adjusters and Appraisers are always available to answer your questions. We will keep you updated on the claims process in its entirety.
Why choose United States Adjusters?
We are some of the most experienced professionals in the insurance industry and the insurance companies respect the quality of our work thus giving us an advantage over most public adjusters and appraisers. We are also a larger adjusting firm with more resources then your typical public adjuster or appraiser which gives you the greatest advantage. Having the staying power and financial backing to not accept a "decent low ball offer" because we are not in a rush to accept a settlement that is not in your favor. Also of companies will "Turn and burn" your claim which does not work in your best interest; United States Adjusters will fight as hard as possible for the best settlement.
How do Public Adjusters differ from Insurance Company Adjusters and Independent Adjusters?
Different types of adjusters include insurance company adjusters, independent adjusters, and public adjusters. Both the insurance company adjuster and independent adjuster work for the insurance company, while a public adjuster works only for the property owner - you! A Public Adjuster works on the policyholder's behalf to represent their best interests and get a fair settlement from the insurance company. The policyholder has the right to choose his own contractor and not be limited to the lowest bid.
The insurance companies retain adjusters who protect their interests. They are well trained to adjust the claim by offering the policyholder a settlement based on the lowest bid submitted by contractors or their own evaluation
Will my agent or adjuster be angry that I hire a Public Adjuster or Insurance Appraiser?
NO! Insurance adjusters know the value of a professionally prepared claim; it makes their job easier. Agents and brokers know the value of our services and regularly refer us to their most valued customers.
We encourage you to take your time when considering a Public Adjuster or Insurance Appraiser. Ask around and check our references. We do not use high-pressure sales tactics to get your business. Getting proper professional help is serious business. (Please visit our testimonials page) Also, look at our memberships, United States Adjusters are involved with the most current industry standards and up to date with our industries knowledge (Remember knowledge is key) So get Adjusted right...from the start. Don't settle for less.
How do I decide if I need the professional help of a Public Insurance Adjuster or Insurance Appraiser?
Without obligation our Public Adjusters and Insurance Claim Appraisers will meet with you to discuss your claim. We will show you a sample of a completed claim similar to yours.
Is my claim big enough to need professional help?
We only get involved in claims where our services are needed, call us for a free claim evaluation. We do consider smaller claims from property managers, clients, client referrals, agents, brokers and attorneys.
Will I be canceled if I hire a Public Adjuster or Insurance Appraiser?
No. The adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising a right given to you by the State Legislature. Insurance appraisers are part of many insurance policies and are expected to be hired, as per your insurance policy.
Is it too late to place a claim? I thought my damage was minor, now the repair costs are exceeding my deductible?
It is never too late to place a claim, as long as it is within your States limit of time to reopen claims - For example Florida has 3 years, Texas has 2 years. Old claims are difficult to re-open and should be left to the professionals at United States Adjusters.
Will I have to pay for your services if you are unable to collect money for me?
We often only work off a percentage of your recovery, except in Louisiana. Therefore, in those instances if there is no recovery, there is no fee. We only collect a fee if we are able to get you insurance company to pay for your damages. When acting as an Insurance Appraiser its often a time & expense for our services.
My claim was denied, am I entitled to a second opinion?
Yes! Many of our clients that were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.