Questions to Ask Before Hiring a Public Adjuster
If you’ve had major property damage and you need to make an insurance claim, hiring a public adjuster can help ensure you’re compensated appropriately. But not all public adjusters are the same. As you look for someone to provide you with an independent assessment of your damage, it’s important to ask the right questions.
1. Are You Licensed in My State?
Practicing without a license isn’t just illegal, an unlicensed public adjuster can also put you at risk. Unlicensed adjusters may not be competent or properly insured. Before you consider hiring an adjuster, ensure that they’re fully licensed in your state.
2. Do You Have Experience with Claims Like Mine?
Many public adjusters are capable of handling a variety of claims. If you’re dealing with storm damage, the aftermath of a fire, or another common issue, there’s a good chance your adjuster has experienced it before. However, each claim type has its own nuances.
It’s a great idea to make sure the adjuster you’re considering has handled the specific type of claim before. This is particularly important if you’re dealing with something unusual – such as a vehicle driving through your living room.
3. How Long Have You Been in Business?
Everyone has to start somewhere, but when you’re filing an insurance claim, you don’t want to be the adjuster’s first client. Look for an adjuster who has plenty of experience and references who are willing to attest to their skill.
4. How Do You Get Paid?
Reputable insurance adjusters only get paid when you get paid and are compensated by taking a percentage of the claim funds you receive. Adjusters who ask for an up-front fee are engaging in unethical behavior. This is a definite red flag and a sign that they’re not the right adjuster for you.
5. Who Will Prepare My Claim?
Some large public adjuster firms farm their work out to third-party contractors. This means you could be paying for a well-known adjuster but getting service from a freelancer. Before you commit, make sure the public adjuster you’re considering will be personally involved in your claim.
6. How Many Claims Are You Currently Handling?
In the aftermath of a natural disaster, it’s common for public adjusters to become overwhelmed with the volume of people needing help with their claims. You may want to double-check that they’re not too busy to give your claim the attention it deserves.
7. Do You Have an E&O Policy?
In the insurance industry, Errors and Omissions (E&O) policies are the equivalent of malpractice insurance. If your adjuster makes a mistake, this insurance coverage ensures that you’ll be compensated. Every licensed adjuster should carry an E&O policy. If they don’t or aren’t willing to provide you with the information, you’ll want to move on to another adjuster.
Trust C2C With Your Claims Needs
Coast 2 Coast Public Adjusters has the knowledge, expertise, and experience to help you get the settlement you deserve. We’re licensed, insured, and are available 24/7. Contact us today for a free consultation.
