Frequently Asked Questions
When should I contact United States Adjusters?
Immediately after a loss call a Public Adjuster. It is most beneficial for us to get involved at the beginning to set the tone for the adjusting process. The most benefit is likely to be realized if our Public Adjusters are engaged immediately even before calling the insurance company. Shortly after the insurance company receives notice of a loss, an adjuster representing the insurance company will visit the policyholder to gather facts about how the loss occurred, the magnitude of the loss, and the possibility of subrogation. Incorrect, incomplete or inadequately expressed answers to the adjuster's questions may reduce the amount that can be claimed. A Public Adjuster engaged early in the process, before the fact-finding stage, will have the greatest opportunity to help the policyholder receive the most equitable settlement for the loss.
What does a Public Adjuster do?
Public Insurance Adjusters are licensed by the state insurance department to represent the Policyholder. We professionally detail appraise and document every part of the claim and submit it to the insurance company adjuster. We negotiate a settlement subject to your approval. We take over the entire burden of preparing and adjusting your claim.
How much does it cost?
The standard fee for public adjusting services is a small percentage of the amount recovered from the insurance company. State insurance departments license Public Adjusters may regulate fees. On very large claims, fees are somewhat negotiable.
Will we be informed and involved in the claim process?
Our Public Adjusters are available 24/7 to answer your questions. We will keep you updated on the claims process in its entirety.
Why choose United States Adjusters?
United States Adjusters are leaders in the insurance adjusting community. We are very experienced professionals and insurance companies respect the quality of our work thus giving us an advantage over most other public adjusters. We are also a larger adjusting firm with more resources then your typical public adjusters. Having the staying power and financial backing to not accept a "decent low ball offer" because we are not in a rush to accept a settlement that is not in your favor. Also of companies will "Turn and burn" your claim which does not work in your best interest; United States Adjusters will fight tooth and nail for the best settlement.
How do Public Adjusters differ from Insurance Adjusters and Independent Adjusters?
Different types of adjusters include insurance adjusters, independent adjusters, and Public Adjusters. Both the insurance and independent adjuster work for the insurance company, while a Public Adjuster works only for the property owner - you! A Public Adjuster works on the policyholder's behalf to represent their best interests and get a fair settlement from the insurance company. The policyholder has the right to choose his own contractor and not be limited to the lowest bid.
The insurance companies retain adjusters who protect their interests. They are well trained to adjust the claim by offering the policyholder a settlement based on the lowest bid submitted by contractors or their own evaluation
Will my agent or adjuster be angry that I hired a Public Adjuster?
NO! Insurance adjusters know the value of a professionally prepared claim; it makes their job easier. Agents and brokers know the value of our services and regularly refer us to their most valued customers.
We encourage you to take your time when considering a Public Adjuster. Ask around and check our references. Our Public Adjusters are courteous and respectful. We do not use high-pressure sales tactics to get your business. Getting proper professional help is serious business. (Please visit our testimonials page)Also, look at our memberships, United States Adjusters are involved with the most current industry standards and up to date with our industries knowledge (Remember knowledge is key)So get Adjusted right...from the start. Don't settle for less.
How do I decide if I need the professional help of a Public Insurance Adjuster?
Without obligation our Public Adjusters will meet with you to discuss your claim. We will show you a sample of a completed claim similar to yours. We will supply impressive references you can contact to check us out.
Is my claim big enough to need professional help?
We only get involved in claims where our services are needed, call us for a free claim evaluation. We do consider smaller claims from property managers, clients, client referrals, agents, brokers and attorneys.
Will I be canceled if I hire a Public Adjuster?
No. The public adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising a right given to you by the State Legislature.
Is it too late to place a claim? I thought my damage was minor, now the repair costs are exceeding my deductible.
It is never too late to place a claim, as long as it is within the statute of limitations. Old claims are difficult to re-open and should be left to the professionals at United States Adjusters, Inc.
Will I have to pay for your services if you are unable to collect money for me?
We work off a percentage of your recovery. Therefore, if there is no recovery, there is no fee. We only collect a fee if we are able to get you insurance company to pay for your damages.
My claim was denied, am I entitled to a second opinion?
Yes! Many of our clients that were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.
United States Adjusters
Public Insurance Adjusters