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Reasons to hire a Public Adjuster

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Aftermath Public Adjusters

  • Adjuster representing your interest and fighting to make sure that you are paid every dollar that you are entitled to.
  • Less hassle, less worry and the potential for a higher settlement.
  • Filing a claim requires a written, itemized statement of your losses.
  • You may not realize what the extent of your coverage is, and the insurance company is not obligated to tell you.
  • 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. The Public Adjuster will help you identify everything to which you’re entitled.
  • Filing a claim is a tedious, time-consuming and aggravating process. The Public Adjuster can take this burden off your shoulders and free you to do what you do best.
  • The Public Adjuster has experience and knowledge which can help your position. The professionally licensed Public Adjuster is recognized and respected by the insurance companies.
  • To complicate matters, in light of the recent hurricanes that have swept our region, the insurance companies have been short of staff and there are simply not enough trained professional insurance company adjusters to handle the magnitude of claims that have overwhelmed the insurance industry. As a result the insurance industry has begun to hire individuals who have no claims experience whatsoever. Many individuals who have never even read an insurance policy or have had any claims experience have now been put through an insurance companies “cram course” and within weeks have been made insurance adjusters. Do you really feel comfortable having one of these individuals handling your most important financial asset, your home?
  • Get help with Denied, dispute & delay  claims.
  • There is no out of pocket cost, as our fee is due payable only when the insurance claim has been settled. A Public Adjuster’s compensation is a small percent of your insurer’s claims payments that are made to you. We work off a percentage of your recovery. Therefore, if there is no recovery, there is no fee.
  • As a policyholder you have the right to hire an expert who will manage your claim on your behalf. Canceling your policy because you hired a Public Adjuster is a violation of State Law in some states. . It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising a right given to you by the State Legislature.
  • Insurance adjusters know the value of a professionally prepared claim; it makes their job easier.
  • Remember the insurance company has their own claim adjuster that works for them and representing their own interests. That inherent conflict of interest alone is reason enough that you too should have your own insurance adjuster, a “Public Adjuster” that works for you and that represents your interests!
  • We all know the saying “the devil is in the details”. Filing a claim on your own is like filing a lawsuit without a lawyer.
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What is the diference between Public Adjusters, Insurance Adjusters and Independent Adjusters?

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Aftermath Public Adjusters“There are three classes of insurance claims adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent adjusters (independent contractors hired by the insurance company) and Public Adjusters (employed by the policyholder). “Company” or “independent” adjusters can only legally represent the rights of an insurance company.

Outside the United States Adjusters are commonly called (or translated into English as) “insurance loss assessors” (or simply “loss assessors”) and staff adjusters or independent adjusters are called or translated as “insurance loss adjusters” (or simply “loss adjusters”) however, there is a clear distinction between a loss adjuster, who works for an insurance company, and a loss assessor who works for a policy holder.”  (Wikipedia)

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Electrical fire a risk for buildings flooded in Sandy – press of AtlanticCity.com: Atlantic County News

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Attached is a very interesting article from the Press of Atlantic City.
http://www.pressofatlanticcity.com/news/

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From the Office of Program Policy Analysis & Government Accountability.

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OPPAGA
From the Office of Program Policy Analysis & Government Accountability.
A report has been prepared by this government accountability office at the request of Citizens insurance to “check up” on public adjusters.
They were concerned that public adjusters may be doing something wrong since the studies show that those claims represented by public adjusters during the catastrophic event produced considerably higher settlements. 747% on average.
The conclusion of this lengthy examination found no wrong doing on the part of the public insurance adjusters.
To read the full report please visit;  www.oppaga.state.fl.us/reports/pdf/1006rpt.pdf
Aftermath Public Adjusters feels that this information prepared in Florida in 2010, still represents a fair snapshot of the settlement differences to be expected here in New Jersey between an Insurance company offer and one negotiated by Aftermath Public Adjusters Inc.
Of course we won’t promise our clients the fastest settlement but we are unwilling to let low ball offers from insurance companies stand. We will fight for what is right for you.
Most claims are worked on a contingency fee basis with no out of pocket expenses to you and if you’ve already been made an offer, or cashed the check, don’t worry, there will never be a fee until we increase the money you already have.
Are you interested in being represented by Aftermath Public Adjusters Inc.?
Call to schedule an inspection of your home or business today. Why settle for less?

Aftermath Adjuster & Executive claims consultant: Dale Robbins

732-408-5139 Toll free 877-986-3876
Corporate office location;
233 Bellevue Ave. Suite 1
Hammonton, NJ. 08037
For reviews, referrals and more info, Web ; www.americanclaimhelp.com
email ; drobbins@aftermathadjusters.com

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Flood Insurance

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“Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows.

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Very few insurers in the US provide flood insurance coverage due to the hazard of flood typically being confined to a few areas. As a result, it is an unacceptable risk due to the inability to spread the risk to a wide enough population in order to absorb the potential catastrophic nature of the hazard. In response to this, the federal government created the National Flood Insurance Program in 1968.

Individuals who are eligible and who have mortgages on their homes are required by law to purchase a separate flood insurance policy through a private primary flood insurance company or through an insurance company that acts as a distributor for the National Flood Insurance Program (NFIP). “

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