What is a public adjuster?
A public adjuster is an independent insurance professional that a policy holder may hire to help settle an insurance claim on his or her behalf.
What does a public adjuster do?
A public adjuster is a professional claims handler/claims adjuster who advocates for the policy holder in appraising and negotiating a claimant’s insurance claim… Although seen many times as adversarial by the carriers, public adjusters do (almost always) substantially increase the settlement value of the loss.
Why I should hire a public adjuster?
Excelsior Public Adjusting will help you maximize your claim payment and get it settled quickly.
How much does a public adjuster charge?
The fee is based on a percentage of your total claim, which gives them incentive to maximize your insurance payments. Fees vary across the country. In Florida when there is state emergency it is 10% otherwise it is 20%. There is no upfront fee. When you get paid Excelsior Public adjusting get paid.
What is the difference between a public adjuster and an adjuster?
A public adjuster works for the policy holder, while an independent adjuster is hired by your insurance company on a contractual basis to manage the claim. To hire a qualified public adjuster to represent your case, request a free consultation through excelsioradjusters.com
Are Public Adjusters Affiliated with Insurance Companies?
No they are not. Their services are available only to the insured public, not the insurance company.
Will my policy be cancelled and or my rates increased if I use a public adjuster?
The short answer is not for that reason alone. The underwriting department however can non-renew your policy for any reason but can and will only cancel your policy for non-payment or some other fraudulent reason. Also, your premiums will not increase from your claim unless it is done geographically.
If I have already filed a claim and the insurance company sent me a check, can I still hire a public adjuster?
YES! You should call us immediately when a loss occurs. But, in the event you do not, we can re-open the claim and pursue the necessary steps for a fair settlement.
Can I file and prepare a claim without the use of a public adjuster?
It is not a wise idea to pursue a claim without an experienced advocate on your side. You can file a claim on your own. The results will not be close to what a public adjuster can do.
How Long Will the Insurance Company Take to Pay My Claim?
By law, all insurance companies are required to pay or deny claims within 90 days. Keep in mind that this is the initial payout. The process to get more payouts can take longer. Excelsior Public Adjusting has the experience and knowledge to help expedite the process while maximizing your settlement.