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.
For example, let’s say that the insurance adjuster looks in a room and sees light smoke damage. He will generally pay to clean the room and paint it. The public adjuster will write his estimate to clean each light fixture, all of the outlets and receptacles, clean and paint all of the trim, walls doors, closet shelving, prime the damaged areas with a white pigmented shellac, mask all of the light fixtures, replace the vent covers, clean the ducts, ozone the room to get rid of the odor, cover the floors, replace the carpet, replace the insulation in the attic, clean the windows, clean and paint the window stool and apron and change the mini blinds. He can also get money to move the contents around by a professional. Is this enough reason to hire a public adjuster or should I say more.
It may take sometime for your car to be looked at, once it reaches the dealership. The insurance company will send an Houston public adjuster out to view the car and its damages. This person will also speak with you about what happened and talk with the other people involved. They will accept or decline the costs associated with fixing it based on a number of factors.
Second, in importance, after your injuries, is the amount of your medical bills. Many years ago, cases were settled by multiplying the number “three” times the amount of the medical bills. That method of valuation is less common today but multipliers are still used to some degree. A quality verdict research service can provide this information.
Many owners public adjuster make the mistake of calling their current insurance agent and just writing another policy. Seems reasonable enough and hassle free, just roll it under your other auto insurance. It is estimated that the majority of vintage classic cars are in fact insured this way. Owners are paying higher premiums and getting less coverage.
Look closely for cuts, bulges, or other damage to the tyres. This may seem like common sense, but if you want to keep Suzuki motorbike insurance rates affordable, you need to spend money up front on new tyres any time there is damage like this. Plus your life is worth the money.
Bottom line is, you have to be your own advocate. Read your insurance policy. Ask questions about items you don’t understand. Make sure you have the coverage you need and want. After a loss, it is too late!