Serving All of Pennsylvania | **Military & First Responder Discount**

FAQ

Public Adjusters

Why Do I Need a Public Adjuster, Can’t I Just Do It on My Own?

There is no law requiring the use of a public adjuster, but your settlement will be dependent upon how well you know insurance policies, how familiar you are with construction and preparing estimates, how familiar you are with local codes, how good you can negotiate and how much time you can dedicate to it. We spend several thousand dollars a year just to make sure we use the same software used by virtually all insurance companies when creating loss statements and estimates. Did you know that your policy allows for an extra 20 percent if the use of a licensed general contractor is reasonably necessary? Did you know that most estimates only include one coat of paint? Did you know that your policy allows for clean up at the end of a repair, along with the use of tarps and other protective measures? Did you know that your policy allows for the removal of furniture and other items from a room prior to work being performed? We know all this and a lot more. We also know if you have been doing this as long as us, you would have the same knowledge.

Insurance companies send their own adjusters (also known as staff adjusters or independent adjusters) to work your claim on their behalf. Some staff/independent adjusters are trained and very good at what they do. Some lack training and experience. Either way, they do not represent you nor do they work for your best interest. This leaves the policyholder alone when they need help the most. There is only one type of adjuster allowed to represent a homeowner and that is a public adjuster. Public adjusters must be licensed by the Insurance Commission and are bound by law to represent the rights and interests of the policyholder alone. A public adjuster knows insurance policies, knows what the obligations of the policyholder are and knows what the obligations of the insurance carriers are. A public adjuster knows how to create estimates and how to justify them. A public adjuster knows the timelines and knows what needs to be filed and when. A public adjuster knows how to find hidden damage that may not be so readily apparent. A public adjuster also knows the hundreds of stipulations and provisions that exist in insurance policies and how to work those to the policyholder’s benefit. Most insurance company adjusters actually prefer to work with a knowledgeable public adjuster as it makes the entire process run smoother.

Service Rendered

Why Should I Use First Response?

First Response Public Adjusters LLC has all the experience, training and knowledge to settle your claim for the highest amount possible in the least amount of time possible. Our 30 plus years’ experience in public adjusting is only complemented by our 30 plus years’ experience as firefighters, police officers and contractors. We have all the bases covered for you. We adhere to a strict timeline to make sure that all forms are submitted on time, we have extensive experience and training in the art of negotiating and we have extensive experience and training in locating, documenting and justifying evidence. Not to mention, our knowledge of the intricacies of insurance policies. This all comes into play when we are fighting to get you every single penny you deserve.

We base our company on honesty and integrity. We believe the only way to properly represent our clients is to operate on a policy that puts honesty and integrity above all else. A beyond reproach type of mentality. This comes from our first responder background. We also operate on the belief that information is power. When you have a question, we make ourselves available to you. We make sure we keep our clients updated throughout the entire process. Lastly, we operate as a team. You don’t just get the experience of one licensed public adjuster, you get our entire team of licensed public adjusters and our entire support staff working for you. Each team member’s responsibilities are based off of their talents and strengths. One superstar won’t win a championship, but an entire team of talented individuals will

Will I Lose Money by Hiring a Public Adjuster?

No. Typically, there is a lot of money left on the table when a policyholder attempts to settle their own claim. For the same reason you retain the services of a CPA to make the most out of your tax filings, you should retain the services of a public adjuster. One of the worst things is when a policyholder receives their settlement only to find out later that certain expenses were not covered and must be paid for out-of-pocket. A good public adjuster will make sure that everything is noted and accounted for, even down to the smallest knick-knack that needs replacement. Our experience tells us that even after taking a good public adjuster’s fee and your deductible out of your settlement, you are still left with more than if you went about it on your own.

Will My Insurance Rates Go Up If I Hire First Response?

No. Your rates will not be affected by hiring First Response Public Adjusters LLC any more than if you attempted to settle the claim on your own. This is all the more reason to make sure you are getting paid the full amount you are owed.

What Will Your Fees Cost Me?

Technically nothing. Our competitive rates are based directly on a percentage of the claim. We don’t get paid until you get paid. We will work out our fees with you before any work is started and we will spell it out on your contract. You pay nothing out-of-pocket, and nothing until the claim is settled. As mentioned before, our experience has shown that even after taking our fees and your deductible out of the settlement, you will still be left with more than if you went about it alone.

What Is the Typical Process of Filing a Claim?

No two claims are exactly the same. But, typically, we will have one of our licensed adjusters meet you at the loss site to survey the damage. We will advise you on any actions you need to take. For instance — it is the responsibility of the policyholder to take preventative measures to guard against further loss. We notify your insurance company that we are representing you in your claim and will handle all of the communications to assure that the insurance company is keeping with guidelines and timelines established by the Insurance Commission. We prepare and file a proof of loss with your insurance company and will meet with their staff/independent adjuster at the loss site. We will then negotiate with the insurance company to assure that you receive a fair settlement. This can include meetings, phone calls, emails, filing additional documents or, in extreme cases, even arbitration or other legal action. No matter what, we keep you advised every step of the way and notify you of any potential settlements prior to any agreement being made. We will also file the certificate of completion to assure that your final depreciation is released.

When Is the Best Time to Hire a Public Adjuster?

The best time to obtain our services is always in the beginning. Time is of the essence when dealing with insurance claims. We can be there to make sure that all timelines are followed and the policy is adhered to. Evidence can be overlooked and lost over time, which can have a negative impact on the settlement. Having a professional from the beginning can also shorten the amount of time it takes to receive a proper settlement. While the beginning is the optimal time, we can still join you and offer our assistance at any point during the process. We can still help even if your settlement has been closed or was flat-out denied. Call us today for a free, no-obligation consultation and see if we are the best match for you.

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