what is a public adjuster

Public Adjuster Resource Guide

A Public Adjuster (PA) represents you and your interests when you have an insurance claim on your business or home.

The Public Adjuster works for you, not the insurance company. A Public Adjuster puts together the details and assigns dollar values to the claim on your behalf, ensuring that every dollar is captured in your claim.

If you are a REIT, commercial property owner, risk manager, facility manager, contractor or property owner, including anyone that manages properties and assets throughout the world, read on to learn about the benefits of using a public adjuster when you experience property loss.

  1. What is a Public Adjuster?
  2. Why Haven’t I Heard About Public Adjusters?
  3. Isn’t the Insurance Company Looking Out for My Interests?
  4. I Have an Insurance Adjuster, Why Do I Need a Public Adjuster?
  5. I Have a CPA and an Attorney. Do I Still Need a Public Adjuster?

  6. Why Shouldn’t I Handle the Insurance Claim Myself?
  7. Why is it Better to Get a Public Adjuster Involved at the Beginning of the Claim Process?
  8. Why Can’t I Wait for the Insurance Company to Make an Offer and See if there are Problems?
  9. My Agent and Broker said I Don’t Need a Public Adjuster
  10. I Have a Contractor, Why Do I Need a Public Adjuster?
  11. Why Choose Paramount Loss Consulting?

What is a Public Adjuster?

public adjuster near me

Until a disaster happens, claim issues are not something a person would pay attention to. Also, people are under the false impression that the adjuster for the insurance company is their advocate, ensuring a full, maximized pay-out from a claim.

That is why PA’s are pro-active in reaching out to offer needed services to people suffering from a recent property loss.

Why Haven’t I Heard About Public Adjusters?

The adjuster, consultants, estimators, and engineers that work for the insurance company are also paid by the insurance company. There is no one in that process advocating for you to ensure your claim is paid correctly and that every coverage you have paid for is tapped into.

The PA protects your interests the way the insurance company adjuster represents the insurance company’s interests. The insurance company is in business to make money. The more they pay in claims, the less profit for them.

Isn’t the Insurance Company Looking Out for My Interests?

Your insurance policy requires you to present and prove your claim. You must justify and detail every dollar that you expect the insurance company to pay. It is not the responsibility of the insurance company’s adjuster to do this.

Large claims are complex; there are many ways to value property, and also many decisions as to what should be included in the claim. The PA assembles the claim from your vantage point, capturing every dollar possible. The adjuster for the insurance company does not take this approach.

independent claims adjuster

I Have an Insurance Adjuster, Why Do I Need a Public Adjuster?

Most attorneys and CPA’s are not specialists in this area. Public Adjusters are often brought in by attorneys and CPA’s to provide the expertise required for policy interpretation and maximizing the dollar values of a claim.

Without a Public Adjuster involved, CPA’s and attorneys typically use the dollar values provided by the insurance companies.

I Have a CPA and an Attorney. Do I Still Need a Public Adjuster?

If you aren’t experienced in the intricacies of insurance policies, this could be very expensive “on the job” training! For example, when most people go to court, they would find it unthinkable not to have an attorney present.

Most people have an accountant or CPA handle their tax matters. Insurance claims are every bit as complex. Quite often, not understanding the policy language completely, or not applying the coverage properly results in costly errors.

Why Shouldn’t I Handle the Insurance Claim Myself?

It takes a lot of research, inspection and documentation to be able to settle a property loss insurance claim. If you have a lot of damage, it’s important you don’t receive the same standard settlement.

Why is it Better to Get a Public Adjuster Involved at the Beginning of the Claim Process?

Until a disaster happens, claim issues are not something a person would pay attention to. Also, people are under the false impression that the adjuster for the insurance company is their advocate, ensuring a full, maximized pay-out from a claim.

That is why expert public adjusters are pro-active in reaching out to offer needed services to people suffering a recent property loss.

Why Can’t I Wait for the Insurance Company to Make an Offer and See if there are Problems?

As much as they may want to help, they have no pull or control over the claims process. Also, they will not do the physical inventory for you that is required.

They won’t be involved with the building estimate details, business interruption, insurance claims, or assigning dollar values in any way. They have nothing to do with maximizing your claim. Bottom line, when a Public Adjuster is involved, insurance companies pay more in claims.

My Agent and Broker said I Don’t Need a Public Adjuster

Nobody likes someone second guessing their work. Public Adjusters typically make the insurance companies pay more.

Bottom line: The adjuster for the insurance company will tell you what they want to pay you in your claim. PA’s tell the insurance company what the insurance company is obligated to pay. Then the PA fights to make it happen!

My Insurance Adjuster says I Don’t Need a Public Adjuster.

Contractors are usually not experts in insurance claim settlement. The Public Adjuster will obtain the largest settlement possible. You may then use the contractor of your choice and spend the money as you choose.

I Have a Contractor, Why Do I Need a Public Adjuster?

Contractors are usually not experts in insurance claim settlement. The Public Adjuster will obtain the largest settlement possible. You may then use a contractor of your choice and spend the money as you choose.

Ready to Partner with Us?

Contact Us To Get Started

public insurance adjusters

Why Choose Paramount Loss Consulting?

We’re a Team of Experienced Loss Consultants

Paramount Loss Consulting will represent you and your interests, where an insurance company has their own experts working to protect their interests.

We Have Over 150 Years of Combined Experience

Paramount Loss Consulting is committed to providing the best possible results with a fast recovery. Our in-depth analysis, attention to detail, and driving advocacy will ensure the best financial outcome for any insurance claim.

We’ll Negotiate The Best Possible Settlement

Paramount Loss Consulting will negotiate through consultation, adjusting, appraisal, and mediation. We are also aligned with the some of the largest and most successful first party loss law firms in the US and abroad. So if and when their advice or services are needed, it’s seamless.

We’ll Work Directly With The Insurance Adjuster

Paramount Loss Consulting will discover the extent of damage, estimate and complete inventories, and other valuations to the insurance adjuster on your behalf. We will meet with the insurance company adjusters face to face in order to settle your claim fairly and equitably, thus resulting in the proper settlement on your behalf.

Our Partnerships

Paramount Loss Consulting has an in-house team of specialists, but is also aligned with premier experts specializing in their respective fields, often calling on the expertise of forensic meteorologists, structural engineers, roofing engineers, architects, failure analysis and causation experts, certified industrial hygienists, certified water mitigation technicians, and construction consultants to fully support and document the claim for the correct recovery.

We’ll Help With Inventory & Evaluation

Paramount Loss Consulting will assist in the preparation of inventories on your damaged personal or business property, contents, and all related items. Paramount’s team of expert appraisers will evaluate and accurately determine the precise value of every item.

We’ll Focus On Keeping You Going

Paramount Loss Consulting will prepare your Time Element Losses such as Business Interruption, Continuing Expense, Loss of Rents, Loss of Use, or Additional Living Expenses.

We’ll Help You Get Your Settlement Paid Faster

Paramount Loss Consulting will complete a detailed Property Damage Scope and Cost of Repair Report to insure the complete insurance recovery required to repair, restore, and/or rebuild your property. No one ever makes a big purchase without having a budget complete. Having Paramount’s team complete their reports and estimates will allow a quicker agreement so that you are not preforming work that is not approved or that you do not have the funds for.

We’ll Save You Time

Paramount Loss Consulting has a team that can establish a professional line of communication with the insurance company adjuster and assist in the timely presentation of all encompassing documentation packets that are written in the same language carriers use internally to avoid any penalties that will cost you or lower your settlement amount.

We’re Easy To Work With

Paramount Loss Consulting will keep you aware of your ongoing settlement efforts weekly throughout the entire process via email. Paramount’s exclusive online client portal gives you 24/7 access to your claim from your office, home or on the road.

American Policyholder Association Professional MemberChicago Roofing Contractors Association (CRCA)Wisconsin Roofing Contractors Association (WRCA)Colorado Roofing Association (CRA)Bay Area Apartment Association FLFlorida Association of Public Adjusters (FAPIA)