What is a Public Adjuster?

My profession doesn’t get all that good press and TV time like Insurance Companies. You may hear a commercial on the radio and think, “what is a Public Adjuster?” But usually when a client has a claim that has gone bad for some reason, a friend or family member will suggest that you hire one and that will leave you scratching your head about who we are and what we do.  Therefore, I’d like to start by reviewing some essential information consumers need to know when thinking of hiring a Public Adjuster.

In the State of Pennsylvania, Public Adjusters MUST be licensed and bonded. We are licensed through the Department of Banking and Insurance and we are required to complete 24 hours (credits) worth of continuing education every two years. Prior to Act 21 of 2012, Pennsylvania had two different licenses available, one for salespeople, or solicitors, and one for actual adjusters. The test we were required to pass for each was different and so was the knowledge needed for each. Act 21 of 2012 changed licensing so that all solicitor licenses were grandfathered into Adjuster licenses.

Where do Public Adjusters get their training? Some Public Adjusters actually come from the Insurance side, meaning they were once employed by an Insurance carrier. Some have been Independent Adjusters, which means they also worked for the carrier but indirectly through another company. Other adjusters are recruited through Public Adjusting companies by someone they know or through ads looking for people with experience in certain fields such as general construction or sales. The level of training is unique to each Public Adjusting company. Some adjusters have gone to school and others have earned their “stripes” by training in the field with a seasoned adjuster, and some have done both.

What do Public Adjusters do? We are advocates for our clients and we help you, the insured, when you have a claim. We ensure you are treated fairly and paid properly within your policy limits. It is our job to protect you and be there when you need someone to help handle your claim whether it is new or one in process. We understand the insurance process and how to negotiate with your adjuster to ensure all claim issues are addressed properly and thoroughly.

If you have a new claim or one in process and think you need help, or maybe you feel you have been treated unfairly, call me today at 570-730-8607. I’m here to answer any questions you may have about your claim or the process of hiring a Public Adjuster. You can also visit me on FaceBook  for more information on Public Adjusting and to see some of the claims I have handled.

 

https://www.facebook.com/pages/Michelle-Murphy-Public-Adjuster/186668698043821

 

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5 Responses to “What is a Public Adjuster?”

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