What is a public adjuster?
A public adjuster, or public insurance adjuster, is a professional insurance adjuster hired by the policyholder (a person or business) who has suffered property damage that is covered by insurance.

National Public Adjusters, Inc. provides public adjusters that:

• Do not represent the insurance company, but rather act as
  advocates for the insured
• Are involved in:
  • reviewing
  • preparing
  • negotiating and
  • settling the claim with the insurance company.
• Get their clients the best possible settlements from the insurance companies as quickly as possible.

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When wouldn’t I need a Public Adjuster?
Sometimes a claim is too small to warrant the services of a public adjuster. If you’re unsure, ask. A reputable public adjuster will let you know free of charge whether it makes more sense for you to handle a claim without assistance. At National Public Adjusters, Inc., our public adjusters are here to answer your questions.

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Why hire a public adjuster if I can handle the claim myself?
Many policyholders don’t realize that the burden of proving a claim is on them. Before policyholders can get reimbursed for a covered claim, they must provide their insurance company with detailed proof of the damages. This can quickly become time-consuming and complicated and lead to costly mistakes on the claim.

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Why should I hire National Public Adjusters, Inc. to represent my claim?
National Claims Adjusters Group draws on over 60 years of combined experience in the insurance industry to represent and protect our clients’ interests. We have a track record of successfully getting our clients settlements that are on average 30-40% more than their insurance companies initially offered to settle their claims.

National Public Adjusters Group has a strong understanding of:

• Policy Coverage Pertaining to Insurance Claims
• Writing Estimates in Regards to Property Damage
• Negotiating With Insurance Companies
• Settling Insurance Claims

Our knowledge of these areas helps our clients get the maximum allowable settlement under their policies.

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How are we compensated?
National Public Adjusters, Inc. receives a percentage of the claim settlement, after the deductible. However, we don’t receive any payments until you receive your check from the insurance company. This percentage includes access to all experts we hire on your behalf and the preparation of all estimates prepared to prove your claim.

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What immediate steps should I take when a claim occurs?

1. DO call National Public Adjusters, Inc. as soon as possible to ensure your claim is reported properly.

2. DON’T move or discard any damaged goods.

3. DO protect your property from further damage. For example, in the case of a pipe break shut off the water source and move undamaged goods to a safe location.

4. DON’T clean-up damaged area.

5. DO take a visual inventory of damaged property; if possible take photos or use a video camera to document.

6. DO get information from responders:

   •  In case of fire: Get the ladder/engine number of the responding Fire Department, the name of the firefighter in charge, the case number and any phone numbers.

   • In case of theft: Get the precinct number, name of officer, case number and any phone numbers.

7. DON’T sign any documents from “curious bystanders” at the scene. Take their card, do your research, and take the time to think before deciding on representation. 

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