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Q. What is a public adjuster?
A. A Public Adjuster is a qualified insurance specialist who represents you in dealing with the insurance company. A Public Adjuster will assist you in preparing, filing and adjusting your insurance claims.
Q. Can I negotiate my own property loss?
A. Yes, but it might not be in your best interest to do so. Often property owners are not completely familiar with the terms and conditions of their insurance policy and their rights and obligations in the event of a loss.
Q. Can my insurance agent handle my claim for me?
A. Your agent is trained and paid to determine your insurance needs. He is not trained to adjust claims.
Q. Why do I need help filing my claim?
A. The policy of insurance requires that a claim and certain documents, such as a Sworn Statement in Proof of Loss, be filed in a proper and timely manner. Submission of personal or business records without an expert reviewing such information can have a detrimental result on the Insured's recovery. A Public Adjuster will prepare and present the claim in a way that fulfills the technicalities that can derail the amateur claim filer. Furthermore, the burden of proof is on the Insured to prove the extent of their losses. A Public Adjuster will ensure that this burden is satisfied thereby maximizing your recovery.
Q. Will retaining a Pubic Adjuster delay the settlement of my claim?
A. No, a Public Adjuster will serve to expedite your claim. Midwest Public Adjusters will work closely with you and properly prepare and file your claim to prove the extent of your loss as required under the policy of your insurance. The more thoroughly and completely your claim is compiled, documented and prepared, the quicker you can obtain a favorable settlement.
Q. Will the Public Adjuster’s fee be included in my claim?
A. No, the public adjuster’s fee is offset by securing an appropriate settlement in excess of what the insured can obtain. The Public Adjuster's compensation is a nominal percentage of the insurance settlement. However, the additional recoveries you obtain by using a Public Adjuster will more than make up for the cost of our services.
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