Premiere Public Adjusters Group, Inc. is a full
service public adjustment company. We are capable of representing an
insured individual in the presentation of almost any type of loss that
can occur to any type of property covered under an insurance policy.
The
Facts
• Our fees are based on a percentage of
your settlement. You pay only after a settlement is secured with your
approval.
• Insurance companies operate for profit, so the less money they pay on
claims the more money they make.
• Your insurance company is represented by individuals trained to pay as
little as possible, you too have the right to be represented
professionally to maximize your policy benefits.
• Free advice is available 24 hours a day, 365 days a year. If you think
you have a claim call us first for a no-cost consultation.
What is a Public Adjuster?
A Public Adjuster is a highly skilled, professional insurance
expert with a vast knowledge of insurance policies, co-insurance,
depreciation, building and personal property damage assessments, repair
and replacement costs and negotiation.
What should I look for in a Public Adjuster?
You should look for the same qualities you would look for in
any other professional, which includes experience and proven
performance. Your Public Adjuster should be licensed and bonded. Your
chosen Public Adjuster should also utilize its own staff of adjusters,
appraisers and other professionals to assist him or her in maximizing
the benefits you are entitled to receive after a claim. The Public
Adjuster you choose should be aware of your needs and responsive to you
concerns.
Who uses the services of Public Adjusters?
Individuals, businesses and professionals including banks,
churches, restaurants, accountants, attorneys and even insurance
adjusters and agents on their own losses utilize Public Adjusters. Once
a client has experienced the benefits a Public Adjuster has to offer, it
is rare that they will attempt to settle a claim without us afterwards.
Do I have to pay up front?
No. We are not paid until money is collected from the
insurance company. In fact, we spend our own money and time documenting
and resolving your claim before we are paid anything.
Am I assured a higher settlement if I use your
services?
Usually, but not always. Generally, the more thorough and
complete the claim investigation and evaluation, the higher the
settlement will be. We meticulously inspect the loss site and document
the damages. On severe losses where all or most of the contents are
destroyed by fire, stolen or blown away, we will go over a variety of
checklists with you to help recap, on a room by room basis, what was in
or at the property at the time of the loss. Having a professional who is
looking out for your best interests and who understands the "tricks of
the trade" is invaluable. The insurance company representative is
usually instructed to reduce the value of the claim and ignore portions
of your claim unless you know how to present the claim in the way the
insurance company will concede to or cannot challenge.
Will my loss be settled faster with the
services of a Public Adjuster?
A good Public Adjuster knows exactly what to provide to the
insurance company in order to expedite the settlement of your claim.
Having our professional Public Adjusters handle your loss can save a
great deal of your time and result in a faster presentation of you
claim. With your cooperation, we will quickly have your claim filed and
the settlement process underway. Unfortunately, insurance companies seem
at times to be reluctant to provide timely claims payments. We can and
will notify them of both your need the laws of the State of California
to insure the fastest payment of the policy benefits.
How can a Public Adjuster better serve me over
an insurance company adjuster?
The insurance company employs the insurance company adjuster
and that’s where their loyalties are. In theory, insurance company
adjusters must strike a balance between your interests and those of
their company, unfortunately their employer’s interests tend to be
considered first. A Public Adjuster works for their client's interests
exclusively.
Will I be
Cancelled or will my Rates go up if I use a Public Adjuster?
No, not for using a Public Adjuster. However, the
mere filing of a claim may trigger a rate increase or render your
insured property ineligible for coverage in the current company you are
insured with. Most insurance companies have several companies under the
main company name. In many cases you will be switched to another one of
the sub companies after a claim is filed, usually resulting in a higher
premium paid. Your rates will not be increased if you choose to be an
informed claimant and seek individual representation. The California
Department of Insurance has attempted to limit the unchecked system of
what the Department calls “use it and lose it” practices of the
insurance industry. The California Department of Insurance has been
opposed by the powerful insurance company lobby and is still attempting
to end this practice, but has had little influence on this insidious
practice of insurers.
Why can't my insurance agent or broker handle
my claim?
While most
insurance company adjusters would like to be fair and at least start out
as decent human beings, the fact is, no person can serve two
masters. Just think about it, when did anyone you know, tell you they
had a good experience with their insurance company claim adjuster. It is
very easy and very common for even the most honest adjusters to
underpay a claim by 50%. (See
OUR CLIENTS for clear and
indisputable proof.) The reason is poor training (often intentionally
poor training), too heavy of a workload, and a bureaucracy that is
motivated by profit. (See
INDUSTRY NEWS for clear
and indisputable proof.) There are a few adjusters who seem to carry a
grudge and have been known to slant the facts of a claim to deny a valid
claim or reduce the payment for the claim to well below the fair value.
Awareness of some of their "tricks" and methods is absolutely imperative
to achieving a fair settlement.
It is our hope that this web site will provide the insured claimant with
the type of information necessary to assist them in obtaining fair
settlements, to lawyers who usually must face an adversary who is
immensely more skilled and financially resourced than they are and to
those dedicated Public Adjusters as they continue to attempt to “level
the playing field” and to fight uphill battles for their clients.
While most insurance company adjusters would like to be fair and at
lease stare out as decent human beings, the fact is, no person can serve
two masters. Just think about it, when did anyone you know, tell you
they had a good experience with their insurance company claim adjuster.
It is very easy and very common for even the most honest adjusters to
underpay a claim by 50%. The reason is poor training (often
intentionally poor training), too heavy of a workload, and a bureaucracy
that is motivated by profit. Regarding the few adjusters who will lie,
cheat, and even frame someone for a crime they know was not committed,
any thing to deny a valid claim or reduce the payment for the claim to
well below the fair value. Awareness of some of their "tricks" and
methods is absolutely imperative to achieving a fair settlement.
If we may help, even in a small way, to "even the odds" by exposing the
"real world," we will consider our time, energy and money well spent in
this endeavor and so will you.
To read what our satisfied customers have to say
about Premiere Public Adjusters, please visit our
testimonials section.
For any questions, please visit our
frequently
asked questions or
contact us.
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