Yes. In most states, an individual may only act as a public insurance adjuster or claim to be such a profession if he or she holds a certificate or license by the commissioner. Public adjustors must pass a licensing exam to earn a license and complete the annual continuing education requirements to maintain it.
Can I handle a property loss claim on my own?
Yes, but doing so may not be in your best interest unless you have vast experience in the insurance industry. Successfully navigating a claim requires:
- Understanding the details of your insurance policy
- Knowing how endorsements and the policy’s language may affect your claim
- Valuating your losses
- An understanding of construction methods and how to document repairs
- Documenting a claim with the appropriate supporting documents
How do I work with a public adjuster? How much does it cost?
Working with a public adjuster is as simple as getting in touch with Commercial Claim Pro. We’re happy to provide you with a free, no-obligation quote. If you choose to hire us, we’d work on a contingency basis and collect a small percent of the claim settlement that you receive. If you don’t receive a payment, you don’t owe us anything.
How long does the claim process take when I use a public adjuster?
The amount of time that it takes to reach a settlement varies by situation. In general, losses that are complicated or involve extensive damage take more time. When you work with a public adjuster, the professional will work hard to expedite the process.
Can I get more money from a claim that I already settled?
In general, you cannot get more money if you already settled a claim. However, there are some situations in which you may be eligible for a supplemental payment. If you think that your insurance company didn’t pay you enough, the public adjusters at Commercial Claim Pro are happy to review your claim, determine if you are entitled to a supplemental settlement and submit a supplemental request on your behalf.
Will you contact me during the claim process?
Yes. Your public adjuster will frequently be in touch with you during the claim process to keep you up to date on its status, help you understand the paperwork that insurance company sends, schedule contractors and so on.
Can my insurance company cancel my policy if I hire a public adjuster?
No, your insurance company cannot cancel your policy for hiring a public adjuster. In most states, insurance companies cannot discriminate in this manner. Plus, it is your right to receive the full benefits outlined in your policy, which include a fair insurance settlement.