It is important to understand why you need to hire a public adjuster when making a claim for your car insurance. In order to make this determination you will have to contact the insurance company that has issued your policy. Many people choose to take the task themselves, but this can be very time consuming. The reason you need to call in an insurance adjuster is simple, they can better explain what happened during the claim process and help you in getting the most out of any settlement.
When your car insurance carrier has processed your claim and offered you a settlement the adjusters will visit your home or place of employment to determine the value of your auto claim. The goal of these third parties is to provide an accurate analysis and recommendation to the insurance carrier. There are several different types of adjusters that you can request to visit your location including loss mitigation, property management, and the claims department.
Loss Mitigation adjusters will work closely with your insurance carrier to determine the maximum amount of coverage you should receive for your claim. If you have never been involved in a similar accident before they will ask some questions to help determine your losses. This type of adjuster will also provide assistance with any necessary paperwork and will generally meet with you at your place of employment to discuss the details of your accident. Once the claim has been settled you will be provided with an account number. You will need to obtain this account number from the loss mitigators office and give it to the adjuster.
Property Management adjusters will visit the property your insurance carrier has tied up to your claim in order to determine the extent of your losses. Most of the time these adjusters will visit the business and review the bills left behind during the accident. NFA public adjusters near me can help you with your settlement. They will also speak with the owner of the business and review the insurance policy and procedures for making a claim.
After reviewing your claim and working with your insurance policy adjuster the next step is to prepare your own claim. First you will need to write up a thorough claim statement detailing the nature of your injuries, your losses, and any other information needed by the public adjusters. The statement will serve as your official document that describes your injury and the accident. It can serve as the bargaining chip in the final settlement process. If you are not skilled enough to write up a full statement, there are many companies that will do this work on your behalf and charge a reasonable fee.
The next step is to follow the insurance company’s guidelines regarding the claim process. If you are injured at work your employer should be able to set up an ergonomics committee. The steeting committee will consist, of an employee with insurance experience and members who will be unbiased. These people will be in charge of implementing all necessary changes and procedures to ensure an even work environment. The committee will also handle any changes or emergencies that may arise during the claims process. If you are injured at home you can usually just refer questions to your personal injury attorney who will be able to answer them.
Finally, you must take the initiative. Don’t rely on your insurance adjuster to handle all aspects of the claims process. If you are not happy with how things are being handled or you feel like the insurance adjuster has been delaying too long in making changes, then you have the right to be heard. You don’t need the help of a public adjuster to get what you need in the claims process.
Insurance companies are required to give you a 15 day period following a claim for the adjustments to go through without another formal written estimate. This allows you to submit additional information or file new documentation in order to speed up the process and protect yourself. Make sure you follow this time frame and you will get what you want from your insurance companies.
National Fire Adjustment Co.
1100 S Service Rd #222,
Stoney Creek, ON L8E 0C5
+1-800-790-2622
nfaco.ca
