What Is A Public Insurance Adjuster?

Public Insurance Adjusters are CT state licensed professionals who work on behalf of home owners and commercial property owners. Residential and commercial property owners hire public insurance adjusters when property damage requires a claim. CT Public Insurance Adjusters work for YOU, not the insurance company.

In CT, Public Adjusters can represent you for Fire, Flood, Storm, Wind, Tree Claims and much more. Property loss that is often overlooked includes, loss of business income and a Public Adjuster has the experience to evaluate business loss as well.

What A Public Adjuster Does For You?

Public insurance adjusters are experts in the complex language within insurance policies and in some cases, have legal backgrounds as well. They will be licensed by the state of Connecticut, have extensive experience and utilize sophisticated software to complete the contents inventory of your property loss. Public adjusters are equipped to help you navigate through every phase of the property loss and know how to properly log and submit your claims to the insurance company.

The process of completing a thorough contents inventory involves the Public Adjuster getting his or her hands dirty, climbing through the wreckage and overall, is extremely exhaustive. A competent Public Adjuster will help you find and negotiate fair settlements with your insurance company. Having an adjuster by your side will not only protect you receiving less than what you deserve, they will save you time and allow you to be comfortable that things are handles to strict protocol during a very difficult time.

How Much Does A Public Adjuster Charge?

A reputable CT Public Adjuster will not charge you a fee for the initial consultation/visit to the property.  A public adjuster earns a percentage of whatever your insurance carrier pays you for the claim. In the state of Connecticut, Public Adjusting is regulated and the Public Adjuster will earn 10% of the total claim. As an example, if you receive $50,000 from the insurance company, your Public Adjuster will earn $5,000.

If you hear that hiring a Public Insurance Adjuster will delay or deny your claim, this is inaccurate and often due to the fact that insurance company answers to the ownership/NYSE, a Public Insurance Adjuster works for YOU