A public insurance adjuster helps you settle a claim with an insurance company, but you ought to research adjusters before making a hire to keep away from scams and high fees. The adjuster is independent of the insurer, and evaluates the insurance claim and negotiates with the insurance company. Adjusters usually charge between and 12 percent of the amount you get from the insurer for the claim, according to Public Adjuster Bill Hedden of Consolidated Adjusting, so you must select the adjuster carefully to maximize your settlement.
1) Go to the official net site of the National Association of Public Insurance Adjusters. NAPIA, a professional association of adjusters, shows state licensing for members and has a listing. Write down the names of at least adjusters in your area.
2) Contact the state insurance department. Confirm the license status for each adjuster on the list and ask about violations. Cross off any adjusters with violations.
3) Go to the official net site of the Better Business Bureau. Check the complaint history and service grade for each adjuster on the list. Use the results to narrow down the candidates. You can even simply visit public-adjuster to talk to the experts.
4) Contact each claims adjuster. Set an appointment to speak to the adjuster. Ask the adjuster for past customer references and detailed rate sheets.
5) Contact the adjuster's references. Ask questions about the adjuster's performance. For example, ask how long the technique took with the adjuster involved and the general accuracy of his claims.
6) Hire the adjuster with the best rates and feedback. Get the rate in writing from the adjuster.