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Homeowners, condo/apartment complexes and businesses that experience property damage or loss     


At the time of your loss, even the most efficient business or family can be overwhelmed with the requirements and burdens placed on them. Corporate executives, commercial property owners, property managers, and homeowners do not typically possess the knowledge or experience to prepare for a complex claim and in most cases, they do not have the time. That’s where a public insurance claims adjuster can help.


A PUBLIC ADJUSTER 


  


Dealing with the requirements of filing a property loss claim with your insurance carrier only adds to the uncertainty and the critical decisions that must be made. Insurance carriers and their claims representative may request detailed information that seems unreasonable but may be necessary. Understanding exactly what your policy covers and what your duties are can become confusing based on the information an insurance carrier’s adjuster might give you. Detailed research and documentation of the loss are required which includes bringing into action all the various investigative and valuation expertise to develop the pre-loss condition of the property. Today, this process, like most things, has become increasingly complex.


When you suffer a property loss, the insurance company will send either a staff adjuster who is employed by the carrier or an independent claims adjuster who is contracted by the insurance carrier. Depending on the situation, they may also operate under certain incentives based on how many claims they can handle or how quickly the claim settles. Regardless, you should understand that both the staff and independent claims adjuster represent and serve the best interest of the insurance company. A public adjuster works for you, the policyholder, to make sure your best interests are represented, and the insurance company fairly settles your claim and honors the provisions of the insurance policy.


www.cai-illinois.org • 847.301.7505 | 49


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