What Do Public Adjusters In VA Do For You?
Public Adjusters are experts on property loss hired by you, not the insurance company. They become your liaison with your insurance company. The public adjuster you hire will explain to you all of the nuances of your policy after careful inspection of the damage. They are the ones with the experience and expertise in the sometimes very nebulous and technical language used in insurance policies. Complete documentation of damage and thorough consideration of all collateral damage is another job of the public adjuster. They can calculate replacement costs and will submit the claim for you. Another indispensable part of their job is to handle the questions and negotiations that are almost always inevitable when filing a claim. Public adjusters can reopen claims and file supplemental claims as well. In the event of litigation, they serve as your expert witness.
Is Hiring A Public Adjuster In Virginia A Good Idea?
There are so many intricacies in working with your insurance policy and insurance companies. The technical language and documentation requirements can be overwhelming to those not versed in that field. Your public adjuster will be your mentor and provide the expertise that you need for the best outcome. They really should be involved from the very start, but at any point, hiring a public adjuster can beneficial. The larger the loss, the more valuable the public adjuster can be to the final settlement. They will include absolutely everything they can and may consist of ancillary items that you would not think possible. Claims must be submitted using precise and accurate data and documentation, for the public adjuster, it is routine. When disputes or followup information is needed, that will be handled by them as well.
Are Public Insurance Adjusting Companies in VA Regulated?
While most states require public adjusters to be licensed, not all states have that stipulation. To operate in those states without a license is illegal. Further, a public adjuster must have a current license in the state in which they work. Some states are more stringent in their licensing requirements than others and may involve continuing education. Though not required, the more successful public adjusters have worked for insurance companies and have a bachelor degree. Some organizations offer certification for public adjusters as well. For example, the National Association of Insurance Adjusters offers certification with additional certification as a senior public adjuster possible after ten years of experience and passing a rigorous exam.