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Essay On Public Adjuster

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The best place to find a good public adjuster is through the National Association of Public Insurance Adjusters. NAPIA can provide referrals in every state that licenses public adjusters. A Public Insurance Adjuster is the only type of adjuster qualified to represent the insured party on a property claim. Currently more than 43 states plus the District of Columbia require an adjuster to hold this licensure in order to represent the insured. A professionally trained public insurance adjuster will act as your advocate and help you navigate the insurance maze so you can collect the full amount due to you under your policy. However, there are several steps that must be completed before you can get paid: valuing the loss, presenting it to the insurer and negotiating a settlement. Insurance policies are complicated and conditional, full payment on a loss is not automatic. A public …show more content…

They may not have the legal or insurance knowledge to adequately represent you. Here are a few danger signs: 1. They make BIG promises without any guarantees. 2. Their fees are outrageous. Most legit Public Insurance Adjusters fees range between 5% to 12% with an average of around 10%. Some public adjusters may charge higher fees on smaller claims or when they are hired midway through the claim process. 3. If you feel pressured to make a quick decision, run. Legitimate PAs recognize that this decision to hire someone to represent you in order to get your home and life back together is a momentous one. This is not a decision that should be made in haste. This could one of the most expensive decisions you make in your life. Take your time and make sure you feel comfortable with the adjuster you are hiring. 4. Check their web site and address. If they don't have anything other than a business card, be very wary. If their only address is a PO box, this may be another red

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