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Commercial Public Adjuster and What You Need to Know

The role of a commercial public adjuster or PA is quite unknown to many and the insurance company won’t tell you about it. As a policyholder, you may experience damage to property or property loss and this is where the role of the PA comes in. They have licensed professionals and their job is regulated by the state where they operate. By doing so, they are expected to maintain a high standard of professionalism and work ethics.

During the claims process, some policyholders encounter issues with their insurance company. The PA has the main objective of representing and advocating for you during the preparation and presentation of an insurance claim. They offer very valuable services to their clients by making consultations with the insured on the available options they have. PAs will file the claim, schedule an inspection with an adjuster from the insurance company, write an estimate of damages, help you look for a temporary place to live in if your home is severely damaged, and negotiate to fairly settle the repair of property damages or get back the property to its original condition. However, their work is often limited to losses on properties, such as homes, businesses and public buildings, which are often referred to as first-party property claims.

You could be wondering why it is important that you hire the services of a commercial public adjuster. When the insurance claim is filed, the whole process can be stressful and time-consuming. When a PA works with you, the whole process can dramatically speed up because he has the knowledge and experience to deal with its ins and outs. This way, you can easily and quickly get your property back without having too much to worry about. The settlement of your claims will also be maximized while he can make sure that the funds you will need for the repair will be disbursed on time.

Sometimes, a loss to your property may occur but it was caused by someone else. This is called third-party property claim and the PA can also accept such clients. However, he cannot directly negotiate for the third party claim. He can only advise the client as to the extent and value of the third party loss or work with an attorney who will represent the claim. Also, they do not handle bodily injury or casualty losses, such as what happens during an automobile accident.

One concern when filing for an insurance claim is how well you can choose the right commercial public adjuster for the job. When you have already decided to hire a PA, you could be baffled by how you are going to choose the right one. Make sure that you are working with a licensed and bonded professional who has a current appointment with the state. You can verify this when you visit the website of the Department of Insurance. Adequate knowledge and expertise are very important considerations also to help you with the claim process. His experience in the insurance industry will be a big factor.

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