Frequently Asked Questions
Answers to common questions about insurance claims and public adjustment services
Understanding Public Adjusters
What is a public adjuster?▼
A public adjuster is a licensed professional who works on behalf of policyholders during the insurance claims process. Unlike insurance company adjusters who represent the insurer's interests, public adjusters represent the policyholder's interests. They evaluate property damage, prepare claim documentation, and work toward fair compensation for covered losses. Each state licenses them through its insurance regulator.
When should I hire a public adjuster?▼
Public adjusters are particularly helpful when dealing with significant property damage claims. If you've experienced water damage, fire damage, storm damage, or other substantial property loss, a public adjuster can help ensure your claim receives thorough evaluation and fair compensation. They're especially valuable for complex claims involving multiple types of damage or coverage questions.
How do public adjusters get paid?▼
Public adjusters typically work on a contingency basis: their fee is a percentage of the claim settlement, set out in a written contract you sign before work begins. Some states limit that percentage, so ask what applies where you live and get the rate in writing.
What types of claims do public adjusters handle?▼
Most handle a wide range of property damage claims including water damage from burst pipes or flooding, fire and smoke damage, storm damage including wind and hail damage, and multiple-peril claims involving various types of damage. Many also have specialized knowledge of flood insurance claims and National Flood Insurance Program coverage.
How long does the claims process typically take?▼
The timeline varies depending on claim complexity and insurance company responsiveness. Simple claims might be resolved in weeks, while complex claims involving multiple damage types or coverage disputes can take several months. A good adjuster keeps the claim moving while making sure the documentation is thorough.
Claims Process & Coverage
What's the difference between my homeowner's insurance and flood insurance?▼
Homeowner's insurance typically covers water damage from sudden events like burst pipes, but specifically excludes damage from flooding. Flood damage requires separate flood insurance. Flood damage claims require specialized understanding of the National Flood Insurance Program. In Maine, you can verify coverage and access resources through the Maine Bureau of Insurance, which regulates the insurance industry to protect consumers.
How do I know what my insurance covers?▼
Your insurance policy contains a declarations page that outlines your coverage types and limits. A public adjuster can review your policy with you to explain what's covered, what exclusions apply, and what documentation you'll need for your claim. Understanding your coverage is essential for realistic claim expectations.
What happens if the insurance company denies my claim?▼
If your claim is denied, a public adjuster can help you understand the reason and decide on next steps, such as asking for reconsideration with more documentation or checking other coverage. For a flood claim under the National Flood Insurance Program, you have 60 days from the date of the written denial letter to file an appeal with FEMA, so don't wait.
How is damage valuation determined?▼
Damage valuation considers repair costs, materials involved, labor, and relevant depreciation depending on your policy terms. A public adjuster prepares estimates and documentation supporting a fair valuation. Disputes sometimes occur over repair costs or depreciation calculations, and good documentation is what settles them.
Can I choose my contractor for repairs?▼
Generally, yes. You typically have the right to choose your contractor for repairs. However, some insurance policies include specific provisions about repair processes. A public adjuster can review your policy details and help with decisions about contractors, repair estimates, and the overall repair process.
Professional Licensing & Regulation
How do I verify a public adjuster is licensed in Maine?▼
In Maine, public adjusters must be licensed by the state. You can verify licensing and file complaints through the Maine Bureau of Insurance, which regulates the insurance industry to protect consumers. Licensing ensures adjusters meet professional standards and ethical requirements. In New Hampshire, check with the New Hampshire Insurance Department, and in Massachusetts, with the Division of Insurance.
What professional standards do public adjusters follow?▼
Public adjusters are required to maintain licensing through state insurance departments and adhere to professional codes of ethics. These standards require thorough assessments, client confidentiality, and acting in the client's best interest. Many adjusters maintain professional certifications beyond basic licensing requirements.
Is there an industry association for public adjusters?▼
Yes. The National Association of Public Insurance Adjusters is the primary professional organization for public adjusters. NAPIA members adhere to professional codes of ethics, maintain certifications like CPPA (Certified Professional Public Adjuster), and participate in continuing education. NAPIA establishes professional standards and provides resources for consumer protection.
What should I look for when choosing a public adjuster?▼
Look for adjusters with proper licensing, professional certifications, years of experience with claims similar to yours, and transparent fee arrangements. Ask about their approach to claim documentation, communication style, and track record. A qualified adjuster should be able to explain the claims process clearly and answer your questions about professional credentials.
How is the fee amount determined?▼
Public adjuster fees are typically a percentage of the claim settlement. Fees vary and should be disclosed before work begins. A contingency fee gives the adjuster a reason to pursue the full settlement, and the agreement should always be in writing.
Damage Assessment & Documentation
What should I document after property damage?▼
Document everything through photos and videos showing damage location, extent, and affected items. List damaged items with descriptions and purchase dates if possible. Preserve damaged materials when safe. Create a timeline of events if relevant. Professional documentation becomes crucial evidence for your claim, so thorough initial documentation helps significantly.
Can I make repairs before the adjuster inspects damage?▼
Ideally, wait for professional assessment before making repairs. However, emergency repairs to prevent further damage are often necessary and appropriate. Take photos before emergency repairs. Document the emergency actions taken. Professional documentation of both original damage and emergency measures supports your claim while protecting your property.
What's included in a professional damage assessment?▼
A professional assessment includes thorough visual inspection, detailed photographs, measurements where relevant, documentation of affected materials and systems, valuation of damage, and a professional report. The assessment identifies all damage that should be covered under your policy and supports appropriate claim valuation.
How do adjusters determine repair costs?▼
Repair costs are determined through professional estimates based on current market rates for materials and labor, the extent of damage, and necessary repairs to restore damaged areas. Multiple estimates help establish reasonable valuation. Labor costs depend on complexity and local market conditions.
What happens if my insurance company and I disagree on damage value?▼
If valuations conflict, professional documentation becomes crucial. A public adjuster prepares detailed reports supporting your valuation and can request reconsideration based on additional evidence. Many policies include an appraisal clause, where each side names an appraiser and an umpire settles what they can't agree on, and an adjuster can guide you through it.
Still Have Questions?
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