hollister sale What Is The Value Of A Public Adjus

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It’s not just about the money. It”s about getting the homeowner’s life back to normal.
What [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] is The Value of a public adjuster for a property damage insurance claim?
by Joe Welch
Who do you call if you are having problems with your insurance claim? Getting the proper professional help after a disaster is very important.
Why use a Public Adjuster?
Public adjusters are licensed and trained professionals that help you – the insured homeowner – to rebuild your home and get the assistance that was promised to you when you contracted with your insurance company. After a major disaster or extensive storm/fire damage, most major insurance companies do a good job of responding [url=http://www.burnabystorage.com/barbour.php]barbour milano outlet[/url] to their customer’s immediate needs. However, they may not do such a good job at restoring the homeowner’s house and property to its previous condition. This is when a homeowner may need assistance.
You could call an attorney but that is very expensive and most attorneys really don’t know how to cost-effectively negotiate a settlement that satisfies all parties. This is where the special training and experience of a public insurance adjuster can be a benefit. The goal of a public adjuster is not to win or to lose; [url=http://www.anepf.fr]doudoune moncler pas cher[/url] it is to arrive at a financial agreement that enables a homeowner to get their home and property back to the shape it was before the disaster occurred.
The Public Adjuster’s (PAs) value-add for a disaster victim is their intimate knowledge of insurance coverage and policies. Many PAs previously worked in the insurance business before becoming a Public Adjuster. The PA will review every detail of the specific insurance policy to determine what the homeowner is entitled to, calculate the value of the damage, and, maybe most importantly for most disaster victims, manage all aspects of the claim process to take the burden off the shoulders of the besieged homeowner.
Working a claim can be akin to herding sheep. As long as the herd is in the pen, everything is OK, or as long as the claim is one dimensional, the homeowner can manage it. However, a typical claim can get complicated fast. The sheep start running wild and there is no way one person can herd them up.
The normal claim process starts with the notification to the agent or carrier. An insurance company adjuster will make contact and if necessary, make an appointment to see the loss. At the loss the company adjuster will review coverage, calculate the damages and advise if [url=http://www.villazuki.it]woolrich outlet online[/url] any additional documents are required. Some will issue payment on the spot; others [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] will need time to investigate the loss or will wait until they have received all the documents before notifying the homeowner regarding the settlement.
There can be dozens of documents that need to be completed, inspected and reviewed. Keeping track of these can be a challenge.
In addition to managing document flow and timing, the claims process also requires working with a variety of people. In many cases, homeowners end up working with a succession of different insurance company adjusters. Typically there is the first team who respond to the emergency or disaster [url=http://www.corsodiesperanto.it/hoganit.html]hogan outlet[/url] area. Then, a second team takes over to keep the process moving, followed by a third who handle the investigation and payment process. The homeowner may end up dealing with half dozen or more different insurance company adjusters, who often do not communicate well with each other.
The claim process also requires a variety of outside specialists to establish the damage, provide quotes and estimates on repair and rebuilding costs and to replace destroyed possessions.
Insurance company policies and processes can be complex, hard to understand, and often quite frustrating to someone unfamiliar with how insurance companies operate. For example, if the homeowner has a mortgage on the destroyed property to be rebuilt, the payment checks may first go to the mortgage lender who then has to disburse it to the homeowner. This can take months.
The entire process can becomes complicated and hard to manage – [url=http://www.lotogame.fr/louboutin-pas-cher/]louboutin[/url] especially if the homeowner has a job and family obligations. Making steady progress on a claim can take 20, 30 or 40 hours a week, leaving little time for job and family. The PA can take care of the claim in its entirety. They [url=http://www.villazuki.it]woolrich sito ufficiale[/url] know what forms are required, what supporting information will be needed and the time frame requirements of the insurance carrier.
Do Public Adjusters Need to Be Licensed?
In 44 of the 50 states and in DC, Public Adjusters are required to be licensed by the state where the loss occurred (more states are in process). In contrast, in many states, the Insurance Company’s staff adjusters are not required to be licensed.
For PAs, most states require a test, and many have ongoing Continuing Education requirements to maintain licensure. This requirement helps the [url=http://www.ttcarpets.co.uk]mulberry sale[/url] Public Adjuster to stay current with the latest developments in adjusting and insurance law. There are organizations both state-based and nationally [url=http://www.rtnagel.com/airjordan.php]nike air jordan pas cher[/url] (National Association of Public Insurance Adjusters, or NAPIA) for Public Adjusters. These organizations provide a forum for the PAs and set high ethical standards for its member adjusters to adhere to.
Its not just about the [url=http://www.burnabystorage.com/barbour.php]barbour italia[/url] money, it is about getting [url=http://www.par5club.com/louboutin.php]louboutin pas cher[/url] their lives back to normal.
Many people value Public Adjusters simply because they can usually negotiate a more complete settlement for a claim than a homeowner can do on their own. However, maybe even more attractive is the opportunity to have a trained, experienced and licensed professional Public Adjuster to take over the minutia of managing an insurance claim, to enable the homeowner to stay in control of their lives and have peace of mind that they are getting a fair claim settlement.
Quality Claims Management Corporation provides hazard claim recovery services to investors, mortgage servicers, homeowners and businesses. All claims are adjusted by licensed insurance professionals for an equitable settlement and accelerated resolution timelines. Contact Quality Claims Management at (866) 450-1183 or
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