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Factors to Consider when Hiring a Public Adjuster

A public adjuster is a professional investigator who looks into damages and losses of property on behalf of an insurance company or an individual then assesses whether the damage is worthy of insurance compensation. They also estimate the total amount of loss caused as a result of the calamity. You can never tell when or whether a calamity could strike your home, car or any other piece of property that you own. This is why you take insurance covers for these items. In the event that a disaster strikes, you can claim compensation from the insurance company. This seems simple and sensible, however, it is never always the case because both the insurance companies and also their clients often complicate matters and become dishonest. Insurance companies can refuse to compensate their clients even if the accident was legitimate. You might think they are being mean and greedy however, this is never always the case and they are simply protecting themselves. Many insurance clients fake accidents and disasters on their own property so they can claim compensation from the insurance companies. This is one of the oldest tricks in the insurance industry. A public adjuster can help you as a client to prove to the insurance company and any other parties involved that your claims are legitimate. As an insurance agent, the adjuster can help you determine whether your clients have legitimate claims so that you only pay those that sincerely suffered a loss. This article discusses some things that you can consider when hiring a public adjuster.

First, you have to consider the reputation of the adjuster. Honesty is a very important quality in this line of work. Reputable public adjusters give honest reports on their findings and will neither favor the alleged accident victim nor the insurance company. Public adjusters must conduct a detailed investigation and report any abnormalities that they find. They should, however, work with a lot of caution because whatever conclusions they make have a lot of implications. If they accuse someone falsely, the victim will be left defenseless. The best adjusters often report their findings exactly as they are to all the relevant parties in such situations. They also reject any bribes and stay away from situations where they can be tempted or intimidated into accepting bribes.

You also need to consider the experience of the public adjuster. All investigators get better with experience. Of course, they all receive training however, they can’t learn everything from books and real-world exposure can do a lot to make them more reliable. Experienced investigators can almost always tell when an accident victim faked it for money or whether the claim is legitimate.

Finally, consider the licenses of the public adjuster. In our bureaucratic justice and investigative systems, the reports of an unlicensed adjuster will often be rejected even if they are right. Only hire the services of a public adjuster after confirming their licenses. If you have by any chance faked an accident, it is best to stop the plan as you might get into a lot of trouble.

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