Public Adjuster in Huntingdon Valley, PA
A public adjuster is an independent professional claims adjuster that advocates for the policyholder, not the insurance company. When a loss occurs to property, the consumer generally believes that all that is necessary is to report the loss to their insurance company who will handle all details and mail them a check. Many are shocked and surprised when they find that not only were they awarded a much smaller settlement than they expected but many claims are denied altogether. They are surprised to find that not all types of property damages are covered. That's where a public adjuster comes in.
Insurance policies are written contracts between two parties and specifically lists the requirements for the policy to be active and what obligations each side of the settlement table must do in order to protect their individual and mostly contrary points of view.
The average property owner has not read their policy and in fact does not even know where it is. The terms and conditions the insurance companies use when creating the policies are not chosen to to be easily understood but rather to be ambiguous with more than one simple meaning. This sets up a condition where two individuals reading the same passage may come away with two very different meanings of the same sentence or paragraph. This often times allows for ”wiggle room” when interpreting the amount of damage.
For example, one person who discovers water flowing through the new ceiling of the Family Room might describe the situation to the insurance company’s telephone claims representative as the Family Room being “flooded.” You and I might understand the room is being soaked from a pipe in the ceiling above.
The agent, reading from their policy tells them there is clearly no coverage for damages caused by flooding. This is but one easy example to show how important it is to read and to understand the technical terms and otherwise innocent wording contained in insurance policies. In fact every policy contains a section of the same 165 lines of requirements for the insured to comply with when filling a claim.
An experienced public adjuster is a professional claims adjuster who represents policy holders and advocates on their behalf. Public adjusters are licensed by the Insurance Departments and given the responsibility to ensure insurance companies comply with their policies and protect the interests of the insureds in their respective state. Public adjusters are experts in determining the value of many items, such as the 25 year old piano in the corner of the living room or your grandfather’s bedroom set stored in the basement. He will know what a square foot of paint costs or the paneling on the den walls.
Experienced public adjusters inspect homes thoroughly including what is termed the “hidden damages”. These are the out of sight damages behind walls, above ceilings and below floors. Not just the drawers, but what is inside the drawers; not just the closets, but also what is on the top closet shelf.
With your help he will also determine the value for all items at today’s costs, not when you purchased your TV 8 years ago and will help determine there approximate age of many items which is a factor when determining the amount of your settlement.
In fact, a good public adjuster will do for you what you would do for yourself if you had the proper knowledge and experience. This is why most business owners have retained public adjusters for over one hundred years in Pennsylvania.
Barry S. Novick and Accu-Claim Public Adjusters have been serving hundreds of clients for more than 25 years and have been licensed professional adjusters settling property damage claims caused by fire, lightning, smoke, wind, water, flooding, hailstorms, burglaries and others.
Public Insurance Adjuster
We work with all insurance companies and our fair fees are based on the results we attain for our clients. We do not get paid until our clients get paid. We are available 24 hours/day and 365 days/year. Through our professional network we are able to provide emergency services day or night such as boarding up windows or doors after a fire or emergency water extraction and mold mitigation services, or relocating a family or business, if necessary. We are networked with many fine contractors who will work to bring your property back to its pre-loss condition and many times better; ususally without our client having to reach into their own pocket.
We are also available to review insurance policies and properties offering suggestions and recommendations from a claims point of view at no charge. Contact us today for help from a professional public adjuster in Huntingdon Valley, PA.