1. What is Your Experience and Specialization?

Understanding your public adjuster’s background is crucial. Ask about their experience, particularly with claims similar to yours. For example:

Years in the Industry: How long have they been working as a public adjuster?
Specialization: Do they have experience with specific types of claims, such as fire, water, or storm damage?
Certifications and Licensing: Are they licensed and certified to operate in your state?

Knowing their expertise and qualifications can give you confidence in their ability to handle your claim effectively.

2. How Do You Handle the Claims Process?

The claims process can vary depending on the type of damage and the insurance policy. Ask your public adjuster to explain their approach:

Assessment and Documentation: How will they assess the damage and document it for the claim?
Communication with the Insurance Company: How will they communicate and negotiate with the insurance company on your behalf?
Timeline: What is the expected timeline for the claims process, from filing to settlement?

Understanding these details can help you set realistic expectations and stay informed throughout the process.

3. What Fees Do You Charge?

Public adjusters typically work on a contingency fee basis, meaning they take a percentage of the claim settlement. It’s essential to clarify:

Fee Structure: What percentage of the settlement will they charge as their fee?
Additional Costs: Are there any other costs or expenses that you might be responsible for, such as administrative fees or travel expenses?

Being transparent about fees and costs will help you avoid any surprises and ensure you are comfortable with the financial arrangement.

4. How Will You Keep Me Informed?

Communication is key during the claims process. Ask your public adjuster how they plan to keep you informed:

Regular Updates: How often will they update you on the progress of the claim?
Preferred Communication Method: Will they communicate via phone, email, or in-person meetings?
Availability: How accessible are they if you have questions or concerns?

Knowing how and when you’ll receive updates will help you stay informed and reduce any anxiety about the process.

5. Can You Provide References or Testimonials?

A reputable public adjuster should be able to provide references or testimonials from past clients. This can give you insight into:

Client Satisfaction: Are previous clients satisfied with the service they received?
Success Rate: How successful have they been in securing favorable settlements?

Checking references can provide peace of mind and help you make an informed decision.

6. What Should I Avoid During the Claims Process?

Public adjusters can offer valuable advice on what to avoid during the claims process. For example:

Avoid Making Repairs Without Approval: Some insurance policies require approval before making repairs.
Be Cautious with Initial Settlement Offers: Insurance companies may offer lower initial settlements; your adjuster can advise on whether to accept or negotiate further.

Understanding these pitfalls can help you avoid mistakes that might jeopardize your claim.

7. What Happens if the Insurance Company Denies My Claim?

It’s important to know the potential outcomes and how your public adjuster will handle them. Ask:

Appeals Process: How will they handle a denied claim or a settlement offer that is lower than expected?
Legal Recourse: If necessary, will they assist with legal action against the insurance company?

Knowing the next steps can provide reassurance and a clear path forward if challenges arise.

Conclusion

Hiring a public adjuster can greatly simplify the insurance claims process and help you secure a fair settlement. However, to get the most out of this professional relationship, it’s crucial to ask the right questions. By understanding your adjuster’s experience, fee structure, communication style, and approach to handling claims, you can ensure a smooth and successful claims process. For expert assistance with your insurance claims, consider contacting Atlantic Adjusting Co. Our experienced team is here to help you navigate the complexities of the claims process and advocate for your best interests.