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Frequently Asked Questions |
What is a Public Adjuster?
A Public Adjuster is a licensed expert in the claims industry that evaluates claims on your behalf and aids you in negotiating the troubled waters of the insurance claims process. We are experts looking out for your best interests.
Why Lone Star Public Adjusters?
Decades of insurance industry experience, decades of building envelope consulting experience, and a drive to provide a prompt and fair settlement while relieving you of the time-consuming and difficult matters involved with filing a claim. We have the knowledge and tools to protect your interests and get you the settlement you’re entitled to.
Why do I need a Public Adjuster?
Suffering a loss is a stress inducing complicated process by itself. While you are focused on people and your business ,the last thing you need to worry about is the complications involved with the Claims process and not knowing if you are getting everything you are entitled to under your insurance policy. While you pay for insurance coverage, the reality is that any representative of the insurance company will likely do everything they can to reduce their financial losses. Using the expert resources of a Public Adjuster will ensure that throughout the claim evaluation and settlement process that your interests are being taken care of, and that you get everything you are entitled to.
Do I have to pay a fee?
There are no out of pocket expenses to hire a Public Adjuster. Public Adjusters work off a contingency fee, which means that we only get paid when a settlement is reached with your insurance company. The percentage is agreed upon beforehand, so there are no surprises and, if we do not recover money for you, there is no fee.
Should I call my insurance company first?
It's always best to contact your Public Adjuster first. If a policyholder mistakenly provides incorrect or incomplete answers to questions asked by the insurance company, it could reduce the amount of the claim. Once you hire a Public Adjuster, they handle all aspects of the loss, including notifying your insurance company of your damages correctly so that you can receive a fair settlement based on your policy provisions.
I’ve called my insurance company and received an offer, is it too late to hire a Public Adjuster?
Not at all. Policyholders will often try to handle a claim on their own, assuming their insurance company will fully compensate them for all damages. It is a frustrating experience when the insurance company denies your claim or offers an inadequate settlement. Lone Star Public Adjusters will provide a free claim review to see if we can assist you in gaining any additional monies you are entitled to under your policy.
Can I deal with the insurance claim myself?
Most people do not take the time to read and understand their entire insurance policy, and even among those that take the time even fewer have the real life experience of working with the Claims process. Once a loss has occurred, there are numerous details to be attended to such as building estimates, content spreadsheets, loss-of-use receipts, business interruption calculations, etc. These details make it difficult to focus on rebuilding your home or continuing business operations. In the meantime, your insurance company is making monetary decisions on your behalf. Lone Star Public Adjusters will take care of every issue and detail so you can concentrate on the more important matters. So, the answer is yes, you can deal with the insurance claim yourself. However, a careful evaluation of the time, money, and disruption to your personal and/or business life will prove the value of a Public Adjuster to represent your interests throughout the insurance claim process.
What is the difference between a company adjuster, an independent adjuster and a public adjuster?
A company adjuster or ‘in-house’ adjuster is an employee of the insurance company. An independent adjuster works for a private company and is hired by insurance companies to adjust losses on their behalf. Their client is the insurance company. A Public Adjuster is hired by the insured client to work on their behalf to prepare and present the claim to the insurance company and negotiate the settlement.
A Public Adjuster is a licensed expert in the claims industry that evaluates claims on your behalf and aids you in negotiating the troubled waters of the insurance claims process. We are experts looking out for your best interests.
Why Lone Star Public Adjusters?
Decades of insurance industry experience, decades of building envelope consulting experience, and a drive to provide a prompt and fair settlement while relieving you of the time-consuming and difficult matters involved with filing a claim. We have the knowledge and tools to protect your interests and get you the settlement you’re entitled to.
Why do I need a Public Adjuster?
Suffering a loss is a stress inducing complicated process by itself. While you are focused on people and your business ,the last thing you need to worry about is the complications involved with the Claims process and not knowing if you are getting everything you are entitled to under your insurance policy. While you pay for insurance coverage, the reality is that any representative of the insurance company will likely do everything they can to reduce their financial losses. Using the expert resources of a Public Adjuster will ensure that throughout the claim evaluation and settlement process that your interests are being taken care of, and that you get everything you are entitled to.
Do I have to pay a fee?
There are no out of pocket expenses to hire a Public Adjuster. Public Adjusters work off a contingency fee, which means that we only get paid when a settlement is reached with your insurance company. The percentage is agreed upon beforehand, so there are no surprises and, if we do not recover money for you, there is no fee.
Should I call my insurance company first?
It's always best to contact your Public Adjuster first. If a policyholder mistakenly provides incorrect or incomplete answers to questions asked by the insurance company, it could reduce the amount of the claim. Once you hire a Public Adjuster, they handle all aspects of the loss, including notifying your insurance company of your damages correctly so that you can receive a fair settlement based on your policy provisions.
I’ve called my insurance company and received an offer, is it too late to hire a Public Adjuster?
Not at all. Policyholders will often try to handle a claim on their own, assuming their insurance company will fully compensate them for all damages. It is a frustrating experience when the insurance company denies your claim or offers an inadequate settlement. Lone Star Public Adjusters will provide a free claim review to see if we can assist you in gaining any additional monies you are entitled to under your policy.
Can I deal with the insurance claim myself?
Most people do not take the time to read and understand their entire insurance policy, and even among those that take the time even fewer have the real life experience of working with the Claims process. Once a loss has occurred, there are numerous details to be attended to such as building estimates, content spreadsheets, loss-of-use receipts, business interruption calculations, etc. These details make it difficult to focus on rebuilding your home or continuing business operations. In the meantime, your insurance company is making monetary decisions on your behalf. Lone Star Public Adjusters will take care of every issue and detail so you can concentrate on the more important matters. So, the answer is yes, you can deal with the insurance claim yourself. However, a careful evaluation of the time, money, and disruption to your personal and/or business life will prove the value of a Public Adjuster to represent your interests throughout the insurance claim process.
What is the difference between a company adjuster, an independent adjuster and a public adjuster?
A company adjuster or ‘in-house’ adjuster is an employee of the insurance company. An independent adjuster works for a private company and is hired by insurance companies to adjust losses on their behalf. Their client is the insurance company. A Public Adjuster is hired by the insured client to work on their behalf to prepare and present the claim to the insurance company and negotiate the settlement.