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?
Hiring a public adjuster can be such a wise idea. Those not well versed in the ways and language of insurance companies can be at a disadvantage. It is probably better to hire a public adjuster at the beginning of the process, but they can be hired by home or business owners at any stage. When there is an especially large claim pending, it becomes even more important to consider their services. It is always beneficial to get a second opinion, and most public adjusters will come to the site of the loss without charge. Submitting a precisely documented and accurate claim is crucial, and public adjusters understand how to accomplish this. They may think of something to claim that you had not thought of including. If you are unhappy with the communication you are experiencing with your insurance company, then using a public adjuster is a solid plan. There are so many ins and outs and grey areas in insurance policies, and you need an advocate.
Are Public Insurance Adjusting Companies in VA Regulated?
The majority of states in our country regulate public adjuster through the licensing process. Some states are more lax in their requirements for obtaining a license than others. Continuing education may be needed. Beyond legal requirements, there are some desirable qualities a public adjuster might have. For example, a bachelor's degree with experience working for an insurance company proves beneficial. There are national associations that a public adjuster may join as well, though it is not a requirement for licensing. After ten years of experience and taking a rigid test, someone may become a senior public adjuster through the National Association of Public Insurance Adjusters (NAPIA). Of course, certification through the NAPIA is possible as well. Practicing without a license is illegal, and public adjusters must have a valid license in the state in which they work.