I’ve never heard of a professional Public Insurance Adjuster before. What do they do?
Professional Public Insurance Adjusters help you with all aspects of your insurance claim. They work for you, and only for you. Insurance companies have professionals who work to settle your insurance claim as cheaply as possible, but our professionals work to make sure you receive every benefit you are entitled to.
What are the benefits of using a professional Public Insurance Adjuster rather than simply filing my claim with the insurance company?
We offer our customers the benefit of our expertise and experience when helping you handle your insurance claim. Learn more About Us and Who We Work With.
Who should I call first? My insurance agent or a professional Public Insurance Adjuster?
Your first call should be to a professional Public Insurance Adjuster at The Claims Company They will help you manage your claim from day one and handle communications with your insurance company for you.
I don’t believe that I received compensation for all of my damages in my recent insurance claim. What can I do?
Each state has a different time period to allow your claim to be reopened. Please contact our team as soon as possible to review your claim. A professional Public Insurance Adjuster at The Claims Company can help you re-open or supplement your insurance claim for additional damages, and help you properly document all of your damages.
Can my insurance company drop me or raise my rates if I file a claim?
Yes. Insurance companies will do whatever they believe will make or save them the most money. A professional Public Insurance Adjuster can help you decide if your claim is worth filing.
Am I required to use my insurance company’s contractors for my repairs?
No. Insurance companies prefer you use their preferred shops, but even then will not typically warrant or guarantee their work. If you decide to use their preferred contractor, ask the insurance company to put their warranty or guarantee in writing and ask any contractor for references. Remember that contractors work for the insurance company, not for you. A professional Public Insurance Adjuster can help guide you through this process.
If my roof is leaking, will my insurance company cover the repairs?
No, roof damage is considered routine maintenance unless there is damage caused by wind or hail or any other cause that is covered by your insurance. A professional Public Insurance Adjuster at The Claims Company can help you determine if any particular roof damage is covered.
My settlement check is made out to both my mortgage company and me. How do I cash it?
Your insurance policy and mortgage loan documents require that your mortgage company be notified that you claimed a loss. This is done by adding your mortgage company’s name on the settlement check. You will need your mortgage company’s endorsement to cash it. You should contact your mortgage company to find out the best way to handle this.
What should I do if my insurance company asks for three written estimates?
Estimates must comply with a specific set of rules to be considered, and repair shops rarely give out estimates for free; rather they charge you a fee that can be applied if you choose to use them for repairs. A professional Public Insurance Adjuster will assemble your estimates for you.
My insurance company sent out an adjuster to calculate my losses, but he/she left several things out and told me I could get rid of my damaged property. How should I handle this?
Do not get rid of any damaged property until you have received satisfactory settlement money. It is your responsibility to document your losses. A professional Public Insurance Adjuster at The Claims Company will help you document all of your losses.
My insurance company refused to cover the damage to my home. Can a professional Public Insurance Adjuster help?
Yes, but only for losses that should rightfully be covered, which is why you should contact a professional Public Insurance Adjuster immediately after your losses.
I have a water leak but I can’t tell where it’s coming from, and it doesn’t seem to be causing any damage. Can I just ignore it for now?
No, do not ignore the potential water damage. Your insurance company can deny your claim for not repairing the leak in a timely manner. A professional Public Insurance Adjuster can help you handle these types of issues before you file your claim.
Should I see what my insurance company will settle my claim for before I contact a professional Public Insurance Adjuster?
The language in insurance policies is complicated and subject to constant change. Professional Public Insurance Adjusters understand the ins and outs of the complex insurance claims process, and submitting your claim will make their job harder and more expensive. If your claim gets denied, you may not get a second chance. We recommend you contact a professional Public Insurance Adjuster right away.