You have no control over the powers of nature. Disasters strike – often without much warning of location and intensity. However, you do have choices about the way you handle your insurance claim and recovery. You can and should take control of the claims process. The first thing you should consider is getting the right help. You owe it to yourself to enlist the help of someone who is on your side and has your interest in mind. Much like an expert, whose assistance you seek when you are evaluating the condition of a home or a valuable asset you plan to purchase, you should consider employing a Public Adjuster when you suffer damage to your property.
What is a Public Adjuster? A Public Adjuster, or Public Insurance Adjuster, is a professional who is an expert in managing insurance claims and the claims process. Public Adjusters work strictly for the general public – you, the individual or the business owner. The Public Adjuster’s role is to assist you in preparing, filing and negotiating the total payment amount of your insurance claim. Public Insurance Adjusters handle claims for hurricane damage, windstorm, hail, fire, flood, and tornado damage.
Licensed Public Adjusters possess skills, acquired by years of training and experience, which enable them to understand the complex coverage issues of your insurance policy. They apply these skills, helping you to better assess your options.
The insurance companies employ professional adjusters to assess your claim. However, the insurance company’s adjuster represents the insurer’s interests. A Public Adjuster is an independent professional who works for you, the policyholder, represents you, and has a fiduciary responsibility only to you.
Most states, such as Texas and Florida, require Public Adjusters to be licensed (Clay Morrison is licensed in multiple states). Texas and Florida have licensing requirements that are some of the toughest in the nation. Public Adjusters are required to have sufficient training and experience, pass rigorous exams, be trustworthy, and operate without detriment to the public. Most states also require that a surety bond is posted. Florida’s licensing is reciprocal with 16 other states.