What are the Top Reasons to Retain a Public Adjuster?

Public Adjuster

What are the Top Reasons to Retain a Public Adjuster?

The Insurance Company Denies (some or all) of the Claim (Off Coverage Position)

Most losses are paid.  Denials are the exception.  An Insurance Company’s decision to deny can often be based on the inexperience of the Insurer’s file handlers. Our experience helps you.  We often help the Insurer better investigate the claim.  There are many times that we have helped the Insurer find coverage on a loss that they previously thought was not covered.


Our success in finding coverage includes files where a client’s lawyers were unable to find coverage.  Clients are often referred to us by lawyers or insurance agents.  These other professionals understand who we are, what sets us apart, and our history of ensuring that things are done correctly.

Complex Losses

A significant loss of any nature will have unique complexities.  This is especially true in relation to total losses, multi-family dwellings, manufacturing or seasonal commercial enterprises, and construction losses.  The reality is that Insurance Companies often find that they have no access to a qualified adjuster for the loss that was reported to them.

Over-worked Adjusters

Other times, the few qualified adjusters available end up being grossly over-loaded with complex claims. Large and Complex Loss Adjusters typically work long hours each day, adjusting at least 6 days a week, with many working every day.  (And they are still behind, and they are still taking on new work, for whatever reason.  As example, often their managers chastise them if they don’t take on the work.)

Lacking a Coverage Confirmation Letter

Within two (2) weeks of reporting the loss, and no more than this, you should have a letter from your Insurance Adjuster that confirms that this is a covered loss, including what is generally covered and what generally not covered.
  • It is a red flag if you do not have this.
  • It is another red flag if the Insurer instead states that they cannot commit to coverage, but they reserve their right to continue to investigate.

After Reporting the Loss to the Insurance Company

It is a red flag if the Insurance Company’s adjuster has a consistent pattern of:
  • Not returning phone calls.
  • Not answering emails.
  • Being vague on coverage or timing.
  • Unprofessional in how they act a/o how they communicate.
  • Pretending to be more knowledgeable than they are
  • Not confirming in writing anything that they promised in site meetings or in phone discussions.
  • Promises are not kept.
  • Extraordinary delays on payments.
  • Making you rush into decisions.
  • Not asking or collaborating with you, but instead dictating to you:
    • Who is going to be your contractor.
    • Who is going to be your expert.
    • What the scope of work is.
If your insurance adjuster or your insurance agent/broker tell you that you do not need a public adjuster and if they state all sorts of negative reasons why that public adjuster is not there to help you, then that should be a red flag to you.
  • Never fall prey to people spreading false fear. If it doesn’t feel right, it probably isn’t.

When Not to Hire an Adjuster

Certainly, there are insurance claims where there is not logical reason to hire a public adjuster.  We will be the first to tell you that; if we cannot perceive adding value, then our first mandate is to advise you that it is not in our mutual interest to have us act on your behalf. For those files where we expect to add value to you, then we sit down and take the time to explain how it is that we see our involvement is the right fit for you and your family (or for you and your business.)
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