Questions to Ask Before Hiring a Public Adjuster

If you’ve ever made an insurance claim, you know there are many hoops you need to jump through and loads of intricacies in the process. Not only that, but your insurance provider may do everything in their power to avoid paying your insurance claim. That’s where public adjusters can help.

What is a public adjuster? Whether or not you’ve heard of them, we can assure you that they - like us at TSO Adjustment Service - are on your side. We fight for you and deal with your insurance broker so you don’t have to. The service we provide can be invaluable, especially when you’re already dealing with the cause of the claim in the first place.

There are some questions you should ask before you choose a public adjuster. Keep reading to find out the best questions to ask.

Are They Licensed to Practice Public Adjusting in Your State?

When looking for a qualified public adjuster near you, ask to see their Public Adjuster’s permit. Sometimes, a public adjuster may work under another individual or firm’s license, which isn’t exactly a green flag. Find a public adjuster with their own credentials who works independently (or under a firm, but still with their own personal credentials).

Furthermore, local laws can vary by state, so make sure that the public adjuster is licensed and has experience with insurance claims in your state. Ensure they are familiar with the intricacies and individual laws that may affect your claim, what you’re entitled to, and how your insurance broker operates.

Will They be Working with a Specific Attorney/Law Firm on Your Claim?

It’s good to know who will represent you and who you will need to contact for information. If a law firm is involved in your claim, it may strengthen your case in the event you are making an insurance claim about an injury on your property, for example.

Lawyers can also help clarify legal details to increase your chances of an approved claim.

How are Business Interruption Claims Addressed?

When commercial property damage is afoot, several parties and large claim amounts, payouts, and damage costs are often involved. To help ensure the best possible outcome, hire a public adjuster with extensive experience with business interruption claims.

Ask for Industry References

If the public adjuster you are considering has been in the industry for a long time, they should have no problem providing you with references. If they are unable or unwilling to provide credible industry references, consider this a red flag.

They should also be able to speak to different cases they previously worked on and share their success rate.

What is Their Fee?

One of the most critical questions you should ask a prospective public adjuster is their fee. After all, if their rates are higher than you are willing or able to pay, there is no sense in wasting your time (or theirs) by continuing discussions.

Be sure to ask about the fee upfront to make sure you are comfortable with the rate. If you are, continue with your additional line of questioning.

Public Adjusters Work in Your Best Interest!

When you hire a public adjuster, your claim is more likely to be approved. You won’t have to worry about gathering and organizing all of your claim information or submitting a claim. 

If you’re ready to hire a public adjuster to help with your claims process, contact TSO Adjustment Service. We simplify and clarify the details of your claim and help make sure that you receive what you are entitled to. Contact us online or call (215) 886-7440.