FAQ
If you have a question, we have answers. Please read below some FAQ, but if you dont see what your looking for, contact us, its easy.
Q: How do I file a CLAIM?
A:Its easy click this answer for a list of numbers for some common insurance companies in the area.
Q: What is a Public Adjuster?
A: A Public Adjuster is an insurance claim adjuster who is an advocate for the policy holder. A Public Adjuster is not employed by nor does a public adjuster work for any insurance company. A public adjuster works exclusively for you to help obtain the maximum amount recoverable in a loss.
Q: Who does HPA charge for their service?
A: HPA has a standard fee for their services which is 10% of the net claim.
Q: Why Do I need a Public Adjuster?
A: A Public Adjuster takes the pressure of a claim off your shoulders so that you can focus on getting yourself back together after a loss. A Public Adjuster is a licensed professional trained to handle all aspects of an insurance loss and to get you absolutely the most out of your settlement. A Public Adjuster is required to know and to be able to navigate through your insurance policy, including all forms, provisions, and hard to read exclusions as well as to keep up on ever changing policy updates, and statutes of their state, which assures maximum settlement.
Q: Why should I not rely on my contractor?
A: A contractor’s goal is to get a job, do the work and get out, not to negotiate your loss and navigate through policy language. When a contractor agrees with an insurance company’s adjuster’s scope of damages it absolutely does not mean the scope is correct. It only means the contractor will do what work is listed for the price listed. This could get you the policy holder stuck with a repair that is nothing more than a bunch of shortcuts.
Q: Why should I not rely on the insurance company’s adjuster?
A: An insurance company adjuster is not licensed by the States Department of Insurance like a Public Adjuster, and is trained by the insurance company employing them; this means they are trained to minimize your loss in terms of dollars. An insurance company is required by law to put your home back to as good of condition as it was prior to your loss, with like kind and quality materials. That means it is not expectable to put back cheaper materials and paint them so you can not tell a difference. Unfortunately, for you; the business model of an insurance company is the less money paid out in claims the more profits for the insurance company.
Q: Why is it important to get everything I’m entitled just as long as the work gets done?
A: If you do not get every penny you’re entitled to the, quality of your home will decrease, meaning someone is robbing you.
Q: Who regulates Public Adjusters?
A: HPA is regulated by states insurance departments in the states they are licensed, and the governing statues or laws of that state. Other adjusters are not.
Q: Why shouldn’t I handle my own claim?
A: There is nothing wrong with handling your own claim if you are capable, however A Public Adjuster is highly trained to identify particular damages you may not know exist, and navigate policy language to get you paid maximum amounts faster than you could by yourself.
Q: Does a Public Adjuster’s fee take away from the quality of work to be preformed on my damaged property?
A: No, A Public Adjusters fee comes out of money you would not have received without is there help. There are reputable contractors who will provide you a bid to complete any scope of work within your insurance budget.
Q: Is it wise to do what the Insurance Company’s adjuster tells me?
A: Yes, to an extent. An insurance company adjuster is required to tell you what you need to do in order to receive any monies, and you are required by your policy to comply. You should not and do not have to use the contractors or restoration people the adjuster advises you to without checking there credentials, and getting itemized estimates in writing of everything they intend to do prior to them touching your property.
Q: What options are there if I can not agree to a settlement amount?
A: You have a few options to get a fair settlement. One is to hire HPA immediately because time has told us again and again that the presentation of any claim in the very beginning equals larger settlements faster. Two, you may evoke an appraisal of damages if allowed by your policy, and hire HPA as your appraiser for the best outcome. Third file suit after consulting with your local Public Adjuster and trusted attorney.
