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Why did my agent or adjuster bad mouth Public Adjusters? Insurance companies make money off keeping your premium dollars as long as they can, period. They do not make money on paying claims timely and fully. Agents, adjusters, engineers and many others that end up involved in the claims process get paid by the insurance company. If they continuously cost the company money, what do you think will happen? I have heard Public Adjusters called thieves, burdens to the claims process and even scum, by members of the insurance companies. These are also the same people who are bonusing off reducing claims payouts to their clients.
Why don't I just hire an attorney instead of a Public Adjuster? Insurance litigation is expensive and takes a long time to see an award when a lawsuit is filed. An investigation has to be done very similar to what a Public Adjuster does. Those services come at a cost to the insured and may affect what the payout ends up. A Public Adjuster can many times get a claim settled quickly because of the following reasons:
- The insurer is required to include the Public Adjuster in in-person meetings with the insured.
- The insurer is required to meet or communicate with the Public Adjuster in effort to reach an agreement.
- The insurer is required to meet certain deadlines regarding communications, investigation and other issues that many homeowners are not familiar with.
In other words, Insurance carriers are required by law to work with a Public Adjuster to resolve your claim in a timely manner. Here's what one of the most respected property insurance attorney's has to say about Public Adjuster's:
While the case may end up in an attorney's hands if the insurance carrier refuses to be reasonable, the legwork is done. Bulletproof partners with a firm that picks up where we leave off and bills their services to the insurance carrier, thus putting more money into the pockets of the insured, where it belongs.
How much will I have to pay out of pocket? ZERO! The homeowner/insured never has to come out of pocket for Bulletproof's services.
Why have I not heard of a Public Adjuster before and why isn't everybody using them? In other areas of the state, like south Florida, Public Adjusters are everywhere. Many times people call a Public Adjuster before they call the insurance company. There are not many Public Adjusters in the Escambia/Santa Rosa/Okaloosa area. Even less will handle a small claim, but Bulletproof has made a vow to help everybody, no matter the size of the claim. We know that many people don't have an extra $500 laying around to pay for a loss. We will help everybody we can.
Why would I pick Bulletproof to handle my claim? We have listed several reasons why we think you should allow us to assist you:
- We charge less than many of our competitors. Our average fee is 10% of the claim, but due to our success in maximizing your claim, you will never feel any impact from our fee.
- We have a construction background. The owner of the company is a licensed home inspector, license roofing contractor (in process), a licensed residential contractor (in process), a licensed private investigator and licensed public adjuster. This translates into somebody who can properly investigate, document and estimate a claim. This is integral to maximizing your claim. We personally see our claims through and do not outsource our estimates or any other part of the claim. (Please note it is a conflict of interest for Bulletproof to engage in any reconstruction of the loss. We act solely as a Public Adjuster on your behalf.)
- Integrity is vital to our business. We will not cheat or lie to increase a claim and will be brutally honest with our customers. If we can't help you we will tell you.
- We only take on as many claims as we can handle. We are not interested in taking on every claim we can, but only as many as we can work to the maximum benefit for our clients. We strive for quality over quantity.
Can't I handle my claim myself? That's a solid maybe. If you have the knowledge, time and experience to handle the claim yourself, absolutely. This answer is very similar to, can you represent yourself if you arrested? Yes, but should you? The consensus is no. There's a lot to risk in both situations if you make a mistake.
I have a contractor/independent adjuster/friend etc. who said they will help me with my claim? It is a third degree felony for anybody to negotiate a claim for an insured without being licensed as a public adjuster. It's human nature to want to help people. Unfortunately good-hearted people can be caught up in the legal system if they are caught helping to negotiate or affect the claim. It's not worth the risk!
IF YOU HAVE ANY OTHER QUESTIONS, PLEASE CONTACT US!
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