An Easy Guide To Understanding The Responsibilities Of A Public Adjuster

A public adjuster is an individual who is authorized to represent insureds in matters before the insurance company. The term “public adjuster” may also refer to a licensed or appointed individual that represents several clients, but who does not technically function as an attorney.

When it comes to working with insurance claims there are two different types of attorneys you can work with. For those who have experienced an insurance claim, the idea of collecting money from a large company may seem overwhelming and you may be concerned about dealing directly with an insurance company. In these cases, it is best to have an experienced public adjuster working on your behalf. To understand the role of a public adjuster, this article will explain the responsibilities this profession brings.

Advocating and negotiating terms for their clients

A public adjuster will negotiate with insurance companies on behalf of their clients to help make the best possible decisions for the insureds. Their ability to advocate for their clients is crucial when it comes to creating strong claims and ensuring that they receive the full compensation they are entitled to.

Public adjusters also typically act as an educator and protector for their clients. If you want to make sure you are protected from the insurance companies’ games, click here and learn more about what a public adjuster can do to help you. Becoming educated about various aspects of insurance can be overwhelming, especially if you had no prior knowledge of what was involved before your claim occurred. With this in mind, educating your client is another important role that a public adjuster takes on during the claim process. 

Submitting all necessary claims documentation 

With the process of applying for an insurance claim, there are multiple forms and documents which must be kept up with to ensure that all necessary information has been provided to protect your rights during the claims process. The responsibility falls on the public adjuster to make sure that everything needed and required by the insurance company is turned in and submitted without any issues and due to the proper time frame.

Filing necessary forms for claims to be processed 

In some cases, additional forms may be required by an insurer to process a claim. The public adjuster ensures that these necessary documents are filed and submitted without any issues. As the field of insurance is constantly changing, it is impa public adjusters needs to state with current processes and procedures by studying both the laws and regulations which pertain to their client’s claims.

Since most claims require both time and patience from all parties involved, being able to remain calm under pressure is another role taken on by a public adjuster. In addition to keeping your client calm through this time, they will also ensure that your claim is not rushed so as not to compromise the amount you will receive during this process  

Assistance in the retrieval of insurance company documents when required

Keeping accurate records of each interaction between an insurance company and its clients is another duty taken on by a public adjuster. This may include making copies of documents, taking notes during phone calls, or recording the contact information for any individuals involved in this process. To avoid any confusion or miscommunication, it is best to always document everything you discuss with your insurance company. Being able to refer back to these resources later will help show what has been done with regards to your claim so far and ensure that all valid claims have been met with the proper actions being taken.

Attending meetings between their clients and insurance representative  

Public adjusters are also responsible for attending meetings or conversations that are arranged with the insurance company to discuss the claim process. This may include conference calls, in-person meetings, video chats, or any other forms of communication which may be necessary with your insurer. Some of these important discussions may include determining what has been done with regards to your claim thus far and what steps you plan on taking for this claim moving forward. 

Reporting suspected insurance fraud 

The role of a public adjuster does not end at simply completing the claims process for their client. They also remain vigilant about any suspicious activities that may occur with an insurance company, such as failing to pay out a claim or providing false information to clients and policyholders. If they suspect insurance fraud,  a public adjuster must report this information to those who can take appropriate actions, such as state and federal authorities. In some cases, they may also seek sanctions against the insurance company for their dishonest activities.

If you have yet to find a good public adjuster for your claim, remember that they should always put your best interests at heart and keep close attention to each detail involved with your claim. By having them by your side throughout this time, they will be able to provide valuable insight into what is necessary for processing claims successfully while also advocating on your behalf throughout this entire process.