How to Choose a Public Adjuster


Licensed public adjusters are knowledgeable and trained in assisting policyholders when filing claims with their insurance providers. If you have a good one on your side, that can make a huge difference - in fact, that critical difference between getting paid enough to bring your property back to normal, and getting less than what the necessary repairs would require.

So how do you find the right Milwaukee Public Adjuster to guide you as you try to file your insurance claim?

1. Call or visit your state Department of Insurance.

In most cases, public adjusters need a license. What this means is that they need to satisfy the state's requirements for education and experience relevant to the practice of the profession. A lot of states maintain online directories where you can check if an adjuster is licensed or not or if his license is valid or invalid. Your State Department of Insurance is also a good one to check with in terms of licensure.

2. Choose a NAPIA Member.

Look for an adjuster that belongs to the National Association of Public Insurance Adjusters. These adjusters have committed to uphold the organization's strict code of ethics, and are, of course, licensed where licensure is necessary.

3. Look for state and regional associations.

A lot of states have local public adjusting associations as well where you can check online directories to know if a certain public adjuster is their member.

4. Ask for references and call them.

This step is absolutely important, and you have to do it before you start working with the adjuster. By talking to previous clients, you can have a clearer picture of how easy or difficult it is to work with a certain public adjuster, and what level of success they have had in the past in terms of handling claims.

5, Log on to the adjuster's website.

Majority - if not all - of legit public adjusters have their own website. If the adjuster you're consider doesn't, then that could be considered a red flag. Either they are not legit, or they are simply not competitive enough.

6. Check with the Better Business Bureau.

Consumers should also check with their local Better Business Bureau to know if the company is accredited, if there have been complaints filed against them, and how these were resolved.

7. Resist the pressure.

While it is typically best to hire a public adjuster at the beginning of the Insurance Claim process, you don't have to give in to anyone who attempts to rush you into making such a decision.

8. Ask questions.

As soon as you have trimmed down a short list of prospects, you can screen them more closely by setting an interview and asking questions, including:

? How many years have you spent in the public adjusting business?

? Are you covered by errors and omissions insurance?

? How much experience do you have working with my type of claim?

With a little homework and patience, you can get a head start, not just on choosing the right public adjuster, but also in making the entire process a whole lot easier for you and your family.