FAQ

What is a public adjuster?
A public adjuster is an adjuster who is licensed and certified by the Department of Insurance to work exclusively for the benefit of the policyholder.

Why hire a public adjuster?
You deserve the same experienced and skilled professional representation as your insurance company. There are too many details and variables that could be overlooked.

When was the last time you read and understood the insurance policy that covers your home, business or property?
Many people have difficulty understanding the technical language of the insurance policy and the complicated procedures they must follow to comply with the policy’s terms.

What is a public insurance adjuster?
A loss assesor who you can retain to assist you in preparing, filing, and adjusting your insurance claim. Public adjusters are retained for the adjustment of insured claims due to fire, wind, water, vandalism, and many other perils. Our public adjusters have experience in commercial properties, strip malls, condominium associations, homeowners, and the general insuring public.

• Insurance company adjusters – are trained professionals who represent the interests of the insurance company which employs them.
• Public adjusters – sole responsibility is to serve you, the insured.

Can I prepare my own claim?
Sure, but a public adjuster who has years of experience and training and can make it easier for a policyholder who might experience one loss in a lifetime.

Why do I need help in filing an insurance claim?
The typical fire policy contains hundreds of provisions and stipulations – various forms and riders that are constantly changing and many complex details about your requirements in case of loss. Most people do not know or understand the policy provisions – and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced public insurance adjuster rather than an inexperienced insured.

In the event of a loss, what steps should I take?
Promptly report the loss to the agent or broker, or directly to the insurance company – and immediately retain the services of a public insurance adjuster to serve you.

Before you start the claim process the following steps should be taken to minimize loss:

• Take photos of the damage.
• Take whatever steps you can to prevent further damage (example: Tarp your roof if its leaking). Make sure it is safe to make the temporary repairs and you are not risking injury to yourself or your family and friends or risking further damage.
• Remember to keep all your receipts for any temporary repairs you make. Also retain receipts for living expenses as a result of the loss to your residence.
• While tempted to clean up as much as possible, especially after a hurricane, do not throw away household belongings such as furniture or any personal items until these items have been inspected by a CMC Claim Consultants, Inc. representative.