FAQ
Frequently Asked Questions
Do I need a public adjuster?
At Advantage PA Public Adjusters our licensed adjuster will inform you up front if using a public adjuster can make a difference in the settlement of your claim. In some circumstances, especially with smaller homeowner losses, we actually recommend that you do take care of the claim yourself. Our pledge to you is that if we do not believe our involvement in your claim will make a difference, we will tell you up front..
At Advantage PA Public Adjusters our licensed adjuster will inform you up front if using a public adjuster can make a difference in the settlement of your claim. In some circumstances, especially with smaller homeowner losses, we actually recommend that you do take care of the claim yourself. Our pledge to you is that if we do not believe our involvement in your claim will make a difference, we will tell you up front..
At Advantage PA Public Adjusters our licensed adjuster will inform you up front if using a public adjuster can make a difference in the settlement of your claim. In some circumstances, especially with smaller homeowner losses, we actually recommend that you do take care of the claim yourself. Our pledge to you is that if we do not believe our involvement in your claim will make a difference, we will tell you up front..
How much is this going to cost?
To start, there is no cost for the consultation at your property and then we work on a contingency fee basis, which means NO RECOVERY, NO FEE – we only get paid when we are able to perform. There is no risk to you or your finances. Our service fee represents a small percentage of the claim settlement. The fee is minimal in relation to your claim settlement and offset by the better settlement our adjusters achieve. Advantage PA will save you time, hassles, and anxiety that comes with dealing with the insurance company.
What is a Public Adjuster?
A Public Insurance Adjuster is an expert on loss adjustment and the recovery process, and is employed by the policyholder not the insurance company. The Public Adjuster assists you, the insured, with their knowledge of insurance policies and negotiation techniques, in preparing, filing and managing the payment of insurance claims regarding property loss. A public adjuster works on your behalf.
Do I have to pay any money up front?
The answer is No. We are not paid until money is collected from the Insurance Company. If no money is collected, you owe us nothing. No settlement, No Fee.
Will I be Denied or Canceled if I hire Public Adjuster?
Absolutely Not. A Public Adjuster is a licensed and insured profession. It is mandated by the State Legislature and regulated by the Department of Insurance. It would be a violation of your rights if any Insurance Company denies or cancels you based on hiring a Public Adjuster. Hiring a Public Adjuster is a right given to you by the State Legislature.
What happens prior to filing claim?
- Review contract for completeness
- Make hard copy of agreement to be faxed with LOR and filed with insurance records
- Complete hard copy file by filing the following
- Loss form, original contract, scope notes, receipts, pictures, ect.
- File claim with Insurance Co
- Scan all docs to PC
What happens after claim filed?
- Insurance Co.’s customer service rep will assign claim # to file
- Insurance Co will contact us 24-48 hrs to assigned an adjuster and/or desk examiner
- In 24-48hrs after the adjuster has been assigned he/she will contact us to schedule appointment.
- (usually 3-7business days after depending on supply & demand, and urgency of loss)