{"id":20,"date":"2011-03-16T18:47:05","date_gmt":"2011-03-16T18:47:05","guid":{"rendered":"http:\/\/www.papublicadjuster.org\/?p=20"},"modified":"2015-11-21T16:52:43","modified_gmt":"2015-11-21T16:52:43","slug":"what-is-a-public-adjuster-anyway","status":"publish","type":"post","link":"https:\/\/www.papublicadjuster.org\/?p=20","title":{"rendered":"What is a Public Adjuster, Anyway?"},"content":{"rendered":"<p><strong>A public adjuster<\/strong> is an\u00a0insurance claims adjuster\u00a0who\u00a0represents &amp; fights\u00a0for the rights of the\u00a0policy holder of a property insurance policy, appraising the value of the loss and\u00a0negotiating\u00a0the settlement in a first-party claim.*\u00a0 An adjuster handles all aspects of communicating with the insurance provider, so you do not have to\u00a0and advises\u00a0you of what to do and when.<\/p>\n<p>Public adjusters work on a contingency basis, meaning if you do not get paid, they do not get paid and they\u00a0work\u00a0for a percentage of the settlement.\u00a0 If the adjuster is fair, as the dollar amount of the claim goes up the percentage normally goes down.<\/p>\n<p><strong>Why would an insurance company\u00a0want to pay a claim?<\/strong>\u00a0 Well, the truth is, most do not want to pay anything.\u00a0 But, they\u00a0know most people are not going to accept zero dollars for the claim, so they sometimes offer a settlement knowing full well it is nowhere\u00a0near\u00a0enough money to properly repair or replace the damage, hoping the policy holder\u00a0accepts the offered amount and does not pursue more money.<\/p>\n<p><strong>There are three types of insurance adjusters:<\/strong><\/p>\n<p><strong>Staff adjuster: <\/strong>This is an employee of the insurance company and they represent the interests of their insurance company, <em>not yours!<\/em><\/p>\n<p><strong>Independent adjuster: <\/strong>This person is an independent contractor who also works for the insurance company and again, represents the insurance companies interests, <em>not yours!<\/em><\/p>\n<p><strong>Public adjuster: <\/strong>This person is hired by you, normally costs you nothing out of your pocket and represents YOUR interests.<\/p>\n<p>*<em>A first-party claimant is the person whose name is on the building insurance policy<strong> and <\/strong>whose property is affected by a covered loss.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A public adjuster is an\u00a0insurance claims adjuster\u00a0who\u00a0represents &amp; fights\u00a0for the rights of the\u00a0policy holder of a property insurance policy, appraising the value of the loss and\u00a0negotiating\u00a0the settlement in a first-party claim.*\u00a0 An adjuster handles all aspects of communicating with the &hellip; <a href=\"https:\/\/www.papublicadjuster.org\/?p=20\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=\/wp\/v2\/posts\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20"}],"version-history":[{"count":0,"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=\/wp\/v2\/posts\/20\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.papublicadjuster.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}