FAQ
Frequently asked questions
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What is a Public Adjuster?
A Public Adjuster (or PA) is an independent insurance professional (one that does NOT work for any insurance company) whom a policyholder may hire that advocates for the policyholder to help settle an insurance claim on his or her behalf. Public Adjusters are also called PAs, Public Insurance Adjusters or Public Insurance Claims Adjusters.
How much does your Public Adjuster service cost me?
There is no out-of-pocket cost to you. Our fee is usually 10% of any NEW money we're able to get the insurance company to pay you.
Example1: Your insurance company originally tries to settle a hail claim for you at $8000.00 and we're able to get them to pay for a new roof valued at $25,000.00 + $5,000 repairs for other damages (gutters, downspouts, outdoor shed, fence, etc.), for a NEW total of $30,000.00. Our fee would be 10% of the NEW money ($22,000.00) or $2200.00.
Example2: Using Example 1 again - only this time your insurance company denies your entire claim. The NEW money would be $30,000.00 and our fee would be $3,000.00.
Example3: After inspection, we find the insurance company's estimate and claim settlement to you to be honest and fair - you owe us nothing.
How long before I receive payment from the insurance company?
The short answer is: approximately 3 months. However, it can take longer or be shorter in duration.
Can the insurance company deny the claim again?
Yes. No matter how buttoned up the claim file is; no matter if the file is thorough and undeniable; no matter if we've crossed every "t" and dotted every "i," some insurance companies just will not admit that they do indeed owe the insured payment.
Do I have recourse if the insurance company denies the claim again?
Yes. Our Public Adjuster service has attorneys that will litigate the claim for you. This is rare and, if this were to happen to you, we would go through and explain that process with you at that time. It's not anything to be concerned about up front as, again, it rarely occurs.
What is the process and how do I get started?
Call me or text me at 972-742-8486; or email me at kerry@northtexaspa.com and I'll schedule a date and time with you to come examine your property.
Once I arrive at the scheduled time, I'll let you know (if you're home - which is not necessary as long as I have access to all areas of your property that may have damage). Then I'll go about the process of documenting any and all damage that I find. Being located in North Texas, most of the calls we get are for wind/hail damage, so that process usually takes less than an hour - but each case is different. Processing interior water damage due to pipes freezing or processing fire damage can take much longer - especially if the damage is extensive.
Once everything has been documented, I will let you know whether the insurance company is being fair or not.
If you decide to pursue the claim, we will send you our contract for you to sign. You will need to send the signed contract back to us along with a complete copy of your insurance policy. Why do I need your policy? Sometimes there are things hidden in your exclusions and in the fine print that need to be navigated to get you paid - we'll need to be able to look through your policy in its entirety.
After we receive the signed contract, we get to work preparing our own estimate, putting together the photos along with all the other evidence we've gathered. We work until we have a complete, organized file; and then we submit it to the insurance company for their review.
Wait to hear from the insurance company. Be patient - sometimes they aren't in any hurry to look at a claim they have previously either denied or, in their minds, "settled."
Get your money and repair your property.