Public Adjusters (PAs) are licensed claims adjusting professionals that represent the policyholder in the calculation, preparation and submission of a claim. They do not work for the insurance company. They work for YOU, the person or business who suffered the loss.
Plus, insurance companies make mistakes. They could very well record an inaccurate claim date or “date of loss” date. Other inaccuracies could be recorded within your insurance company’s system. You can always refer to your notes to compare their info to.
Every time you start the engine of your motorcycle you know that you might get hurt in a motorcycle accident. Do you know what to do afterward? Wearing a helmet is one thing, but you can still suffer from a motorcycle accident even after its over. What are you going to tell the insurance Houston public adjuster? Do you know the real costs of your medical expenses–for future treatment, therapy, and rehab?
Some will have professional estimating skills. Some have completed hundreds of hours of extra training. The license designation is just the beginning. The qualifications must also be there. Finding the right one is made more difficult by rules, promoted by the insurance industry, prohibiting public adjusters from advertising during a declared catastrophe. You have to rely on referrals. Maybe that is actually a good idea.
Here’s a horror story that happens often on a low-cost plan: you have an insurer. You pay your premiums. But one day public adjuster your aging pet develops diabetes. That year, when it comes time to renew the plan and update the premiums, your insurer sticks in an exclusion. As of that moment, they no longer cover diabetes in your pet. Yes, they can do that – and you’re out in the cold.
Notify the Insurance Company. Make sure you notify the insurance company the way the policy tells you to. You can put your claim in jeopardy if you don’t do it right.
Not all classic car agents are created equally. Make sure you check out their customer service and feel confident that they know replacing a windshield on a 1967 GTO will probably be more expensive than your everyday car.