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WHAT IS A PUBLIC ADJUSTER?

A Public Adjuster is a licensed professional who advocates for the policyholder in the preparation, presentation, and negotiation of a property insurance claim.

WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND THE INSURANCE COMPANY’S ADJUSTER?

Public Adjusters work only for the public, not on behalf of an insurance provider. They are hired by you, as an expert in their field, with the intention of accurately compiling your burden of proof, filing your insurance claim, and advocating on your behalf.

The insurance company adjuster is an employee of the insurance company and is tasked with meeting their quotas and financial goals. Their job is to find as many adjustments to your claim or to deem your claim invalid, with the goal of saving their employer (the insurance company) money.

As you can see, their interests are on opposite ends of the spectrum.

WHY SHOULD I EMPLOY A PUBLIC ADJUSTER TO OBTAIN WHAT IS RIGHTFULLY DUE ME?

Although your insurance claim may be valid, there are simply too many variables to go it alone. Just like your taxes, which you can do yourself, you are likely to miss at least a few exemptions and tax breaks without consulting with a good accountant. However, property insurance claims are far more complex than most tax returns. Your public adjuster specializes in gathering evidence, filing claims, and ensuring the right questions are asked and documents are submitted to ensure your claim is strong and not underpaid.

At Atlas Adjustments, we take this one step further by working with a dedicated team of public adjusters, certified public accountants, professional estimators, and engineers who assess your claim from multiple angles. This strengthens your claim and can improve your settlement by as much as 300% more than if you were to go it alone. We evaluate, estimate, and appraise with integrity, and can often expedite claims processing.

AM I ASSURED A HIGHER SETTLEMENT IF I USE YOUR SERVICES?

A credible Public Adjuster will never guarantee or promise an exact settlement amount or a higher settlement. However, even honest company insurance adjusters are likely to offer policyholders a severely underestimated settlement. We meticulously inspect your damages and compile comprehensive reports to strengthen your claim. Studies show most home and property owners severely underestimate their losses or submit incomplete claims. We not only advocate on your behalf, but we ask the right questions to ensure the full scope of loss is included in your claim. We then gather the proof and evidence required to improve drastically your likelihood of a swift and equitable outcome.

DO I HAVE TO PAY YOU UP FRONT?

No. We are not paid any money up front or out of pocket. In fact when you hire us, we spend our own time and money making sure your claim is properly documented and assessed. If you don’t get paid, we work for free!

WHO USES THE SERVICES OF PUBLIC ADJUSTERS?

Public Adjusters are hired by homeowners, landlords, management companies and business owners within all industries, who need to file a claim with their insurance providers. Even other adjusters and insurance professionals hire Atlas Adjustments to advocate on their personal claims.

CAN’T MY AGENT MAKE SURE I GET A FAIR SETTLEMENT?

Beware of any agents or company adjusters that advise that a public adjuster is unnecessary, because they clearly do not have your best interest in mind.

You may have an amicable relationship and even a friendship with your insurance agent. You may call them, hoping they will advocate on your behalf or even trust they will put in a good word. However, helping you obtain a fair settlement is a conflict of interest for your insurance agent. Most insurance agents are awarded an annual profit/loss ratio bonus, so even if they like you or believe you, any help and guidance they give you may be at the expense of their own bonus. Insurance Agents are licensed to sell insurance, Public Adjusters are licensed to adjust claims which can positively affect your settlement. Big Difference.

Even if your agent isinclined to help, they are under no obligation and simply do not possess the expertise to advocate on your behalf at the same level as a public adjuster. Due to Atlas Adjustments’ reputation of success, many insurance agents recommend us to their clients, friends and family or hire us for their own insurance claims.

IF WE EMPLOY A PUBLIC ADJUSTER, WILL IT CAUSE PROBLEMS OR DELAYS?


Both our in-house and nationwide statistics show hiring a public adjuster often expedites the claims process and minimizes problems. Some policyholders don’t contact us until they find themselves in a complex situation. The sooner we can get involved, the better, and almost without exception, we can obtain a higher settlement for our clients, and we offer multiple time and stress saving benefits.

We are experts in how to navigate these complex claims, and regardless of your insurance company’s approach, Atlas Adjustments will advocate on your behalf with professionalism and integrity.

SHOULDN’T I WAIT UNTIL THE INSURANCE COMPANY’S ADJUSTER MAKES ME AN OFFER TO DETERMINE WHETHER I NEED YOUR SERVICES?

Sometimes, our services aren’t procured until an unreasonable settlement is offered. However, hoping for the best and waiting for their offer will not only delay the process, but make it more time-consuming to revise your claim accordingly. Hire Atlas Adjustments right off the bat, and we will provide multiple time and stress saving benefits. We find that clients, who attempt to go it alone, severely underestimate their losses. They make common and costly mistakes when gathering their burden of proof and filing their claim. Not only that, but most insurance companies are less likely to lowball or unnecessarily delay your claim, once they realize you have a licensed and certified public adjuster working on your behalf.

The burden of proof is on the policy holder, and we will ensure your “proof” is strong, which can improve your settlement by as much as 300% or more.

WILL I BE CANCELED BECAUSE I HIRE A PUBLIC ADJUSTER?

No. In most states, the public adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation if any Insurance Company discriminated against you for exercising a right given to you by the State Legislature.

After a loss we handle all the necessary paperwork required to comply with your policy terms and conditions. In addition, we take itemized physical inventories, which help us in preparing a completely detailed report of all the affected property, along with processing and evaluating the building damages. We meet with company adjusters on your behalf. We retain any necessary specialists to assist us in order to maximize the monetary compensation for your loss. Our job is to get you the maximum compensation that you are entitled to receive. We also help to determine replacement costs, salvage values, as well as depreciation factors.

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Atlas Adjustments is a property claims consulting and adjusting firm solely representing the interests of the policy holder following a disaster. Our team of professionals include adjusters, certified public accountants, professional estimators and engineers as well as content evaluation specialists.

Atlas Adjustments’ approach to claim handling is unique and unlike any other claims consulting firm. Our “Team” concept provides the necessary expertise to prepare a comprehensive claim presentation, act as a liaison with the insurer’s representatives and negotiate a prompt and equitable settlement.

The insurance carriers will engage the services of many experts to assess damages on their behalf. You should have similar representation. Our firm provides these services and has assisted many corporations and individuals through the claims handling and adjustment process.

Our fee structure varies depending on the scope and quantum of the loss involved. In some instances these fees may be covered by the insurance contract. We welcome the opportunity to meet with you to further explain the benefits of utilizing our firm’s services.