What Do Public Adjusters In Norfolk, VA Do For You?
Public Adjusters are independent professionals who are hired to help their clients with insurance claims. They are not affiliated with your insurance company and work solely with your interests at heart. Public adjusters can become an instrumental part of the claims process. They will come to the site of the loss, evaluate, and carefully document the loss. They will interpret your policy and explain what you are entitled to claim and what to expect as a settlement. This becomes important as policies are written using a lot of technical insurance jargon, hard for someone to understand who does not have a working knowledge of the terms used. Your public adjuster will figure out replacement costs and submit all paperwork and required documentation to the insurance company. Questions and followup requests for information by the insurance company - almost a given - can be fielded by the public adjuster as well. If there is a need for reopening or filing a supplemental claim is needed, they can handle that as well. Public adjusters can serve as expert witnesses as well.
Is Hiring A Public Adjuster In Norfolk, 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 Norfolk, 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.