Claims Assessment and Documentation:

• Evaluate the Loss: Public adjusters assess the damage or loss covered by the insurance policy. This could be due to events such as fires, floods, hurricanes, or other insured incidents.

• Document the Damage: They meticulously document the damage through photographs, videos, and detailed descriptions. This includes both structural damage and loss of contents.

• Inventory and Valuation: They compile an inventory of damaged or lost items and determine their value, considering depreciation and replacement costs.

 

Policy Review:

• Interpret the Policy: Public adjusters review the insurance policy to understand the coverage limits, exclusions, and specific conditions that apply to the claim.

• Identify Coverage: They identify all possible areas of coverage to ensure nothing is overlooked in the claim process.

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Claims Preparation and Submission:

• Prepare the Claim: They prepare and organize the necessary documentation to support the claim, including estimates, reports, and detailed inventories.

• Submit the Claim: The public adjuster submits the claim to the insurance company on behalf of the policyholder, ensuring that all required information is included and correctly presented.

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Negotiation:

• Negotiate with Insurers: Public adjusters negotiate with the insurance company's adjusters to reach a fair settlement. They use their expertise to challenge any underpayments or denials and work to maximize the claim amount.

• Handle Disputes: If there are disputes or discrepancies in the claim, public adjusters advocate for the policyholder to resolve these issues.

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Settlement and Follow-Up:

• Settlement Agreement: Once a settlement is reached, the public adjuster reviews the agreement to ensure it is fair and comprehensive.

• Follow-Up: They follow up on any necessary actions or additional documentation required by the insurance company to expedite the settlement process.