Frequently Asked Questions
Central Public Adjusters, LLC Help Center
SHOULD I HIRE A PUBLIC ADJUSTER?
Individuals and businesses hire public insurance adjusters when they need assistance filing a claim or feel a claim amount offered by an insurance company is incorrect. Claims for flood, fire, smoke, wind and hurricane damage, as well damage due to other perils, can be filed and negotiated by public adjusters.
DO PUBLIC ADJUSTERS REALLY HELP?
Public adjusters help their clients communicate effectively with their home insurance companies in order to expedite claim payments. Your adjuster can also haggle with your insurance company in the event that it refuses to pay your full claim.
WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND AN INSURANCE COMPANY ADJUSTER?
The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. A public adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. We are experts in reading the final print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement.
MY CLAIM WAS DENIED, AM I ENTITLED TO A SECOND OPINION?
Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.
HOW DOES A PUBLIC ADJUSTER PREPARE A CLAIM?
Public adjusters are very skilled negotiators who use the services of appraisers, engineers, accountants, and all sorts of other experts as needed. A public adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement.
WILL I GET A HIGHER SETTLEMENT IF I HIRE A PUBLIC ADJUSTER?
You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage.
Studies have clearly demonstrated that the most inventories compiled by insured without the help of the public adjuster are very incomplete.