Frequently Asked Questions
Welcome to the FAQ page of Mid-Atlantic Public Adjusters, serving Parkton, MD, and the surrounding areas. We understand that navigating the world of insurance claims, damages, and settlements can be overwhelming, which is why we have compiled a list of common questions to help you better understand our services as public adjusters.
What is a public adjuster, and how can they help me?
As public adjusters, we work on behalf of policyholders to evaluate, negotiate, and settle insurance claims. Our team of experienced professionals has an in-depth understanding of insurance policies, coverage, and the claims process. We will assess your damages, document evidence, calculate the value of your losses, and negotiate with the insurance company on your behalf to maximize your claim settlement.
An insurance company adjuster, also known as an independent or company adjuster, works for the insurance provider. Their primary objective is to protect the interests of the insurance company by minimizing claim payouts. In contrast, a public adjuster works on your behalf, advocating for your rights and ensuring you receive a fair and just settlement.
Are public adjusters only for large or complex claims?
While public adjusters can handle large and complex claims, they are not limited to such cases. We can assist you with claims of any size, from small residential losses to large commercial losses. Our expertise lies in properly evaluating damages, accurately documenting losses, and skillfully negotiating on your behalf.
How much do public adjusters charge for their services?
At Mid-Atlantic Public Adjusters, we work on a contingency fee basis, meaning we only collect a percentage of the final settlement amount. This fee is agreed upon before we begin working on your claim and is generally a small fraction of the total settlement. This arrangement ensures that our interests align with yours, as the more we maximize your settlement, the better it is for both parties.
Is it necessary to hire a public adjuster if I already have insurance?
While not mandatory, hiring a public adjuster can significantly benefit you during the claims process. Insurance policies can be complex, and insurance companies may try to undervalue or deny your claim. By leveraging our experience, knowledge, and negotiation skills, we can increase the likelihood of a favorable settlement.
When should I involve a public adjuster in my insurance claim?
It is advisable to involve a public adjuster as early as possible in the claims process. By doing so, we can guide you through the paperwork, ensure accurate documentation of damages, and handle communications with the insurance company. Our early insurance adjusting services also help prevent potential pitfalls and mistakes that could jeopardize your claim.
Can I handle my insurance claim by myself?
You have the right to handle your insurance claim on your own; however, doing so may result in undervalued settlements or denied claims. Insurance terminology, policy language, and the claims process can be complex, and without proper guidance, you may unknowingly settle for less than you deserve. Hiring a public adjuster ensures that you have an experienced professional advocating for your rights and fighting for a fair settlement.
At Mid-Atlantic Public Adjusters in Parkton, MD, we’re passionate about ensuring that policyholders receive the settlements they are entitled to. Our dedicated team of public adjusters are here to answer any additional questions you may have and guide you through the insurance claims process. Just contact us today to schedule a free consultation, and take the first step towards maximizing your claim settlement.