What is a Public Adjuster?

What is a Public Adjuster? We are experts at home insurance claims but we do not work for the insurance company. We work for you. The insurance company has their own expert home insurance adjusters and their job is to cut corners and save money for the insurance company. They might not deny your property or home insurance claim but they might offer you a fraction of what you deserve. We understand all the fine print of home insurance contracts and we make sure that you receive no less than what you are entitled to. If you want an expert in your corner when you are making home or property damage claims, that is what we do as Public Adjusters.

We are professionally trained representatives licensed by the state to work on behalf of the property owner (that would be you) and protect your rights.

Essentially we:

  1. estimate any damage to your property in full detail
  2. handle all details such as notifying your insurance company, obtaining a claim number, file legal documents.
  3. secure the largest possible recovery from your insurance company.
  4. Our fee is based solely on a percentage of your settlement
What is the difference between a Public Adjuster and an Insurance Adjuster?

Public Adjusters work for you. Insurance Adjusters work for the insurance company. When you make an insurance claim, you have to deal with a very experienced insurance company adjuster. The company adjuster (from your insurance company) is trained to minimize your damages (paying you the least amount possible).

Their aim is to minimize your damage and therefore your settlement by encouraging the following cost-saving methods:

 

Alternative Method of Repair

The use of substitute (less expensive) building materials.


Appearance Allowance

This is a small portion of the true cost of a particular repair or replacement. The damage remains highly visible and you agree to live with it.


Fast Track

This is the most effective cost control tactic used by most insurance companies throughout the industry. They try to get you to do the repair work yourself at a much lower labor rate. Most times the labor rate offered to you is only a small portion of the current labor rate.

Depreciation

Most company adjusters use a depreciation chart without regard to the condition or usability of the damaged items. They subtract a standard percentage based on the age to establish the actual cash value.
 Obviously, you cannot take on the highly trained Insurance Company Adjuster head-on and expect to get the best results. The answer is to hire your own professional and experienced adjuster.
 Our staff of professional public adjusters will work for you, not the insurance company. Our main concern is to get you and all that you are entitled to under the terms of your individual insurance policy. We know how to interpret the policy and explain all of it's provisions as it applies to your loss. All our adjusters are thoroughly experienced in preparing damage estimates based on current construction pricing in your locale.
In the event of damage to your home or business, such as fire, smoke, water, wind, theft, vandalism, or any other problem, don't call your insurance company or agent. Just call us 24 hours a day, 7 days a week to find out if your problem is covered by your insurance policy. We are Licensed & Bonded in New Jersey, Pennsylvania, Delaware and Maryland.