The best source to find a good public adjuster would be through NAPIA, the National Association of Public Insurance Adjusters. NAPIA will provide recommendations in every state that licenses public adjusters. The Public Insurance Adjuster is the only type of adjuster that is qualified to represent an insured in a claim for property. More than 43 states and the District of Columbia require an adjuster to hold this licensure for them to be able to act on behalf of the insurance company.
An experienced public insurance adjuster can serve as your advocate, and help you navigate the insurance maze so that you can get the full amount that is due under your policy. There are a few procedures to follow before you can be paid including valuing the loss and presenting it to the insurer and the negotiation of the settlement. Insurance policies are complex and conditional, full settlement of an unintentional loss isn't automatic.
A public adjuster can help identify the coverages and the causes of the loss in order to assess the value of the offer or denial.
After a disaster, fire victims are often bombarded with offers and inquiries from general contractors and public adjusters as well as others who offer assistance. This is normal. Just because you are receiving a call does not necessarily mean that they're doing anything wrong. But, you must be careful and to do your research prior to signing up to their services.
If the public adjusters aren't part of Public Adjuster NAPIA, (National Association of Public Insurance Adjusters,) be wary.. They might not possess the necessary legal or insurance expertise to effectively represent you. Here are a few danger signs:
1. They make big promises, but without any guarantees.
2. Their charges are exorbitant. Most legit Public Insurance Adjusters fees range between 5% and 12 percent with an average of 10 percent. Certain public adjusters charge higher fees on smaller claims or when hired midway through the process of settling claims.
3. If you feel pressured make a quick decision then run. Legitimate PAs recognize that this decision to appoint someone to represent you to bring your home and life back in order is an important one. This isn't a choice that should be taken quickly. It could be one of the most costly decisions you'll ever make in your lifetime. Take your time and make sure you feel at ease with the adjuster you employ.
4. Visit their website and address. If they don't have any documents other than an official business card, be very wary. If their only address is a PO box, this may be another red flag.
5. It is generally preferential to employ someone who is local. Someone who knows the local market for housing and rebuilding costs, who understands the assets of the local community and how to make use of the resources. A local PA might also have previous experience working with representatives of the major insurance firms in the region and may be able to cut through the bureaucracy and red tape in order to make sure you get what is owed to you faster.