An OPPAGA report indicated that using a Public Adjuster gets policyholders an astounding 747% higher payout than filing a claim without representation.
The Office of Program Policy Analysis and Government Accountability (OPPAGA) is an office of the Legislature providing data, evaluating research, and objective analyses to assist legislative budget and policy deliberations. See full report here.
Insurance companies have their own adjusters that they send out to assess the legitimacy of an insurance claim, called Staff Adjusters or Independent Adjusters. They are very different from Public Adjusters.
The first and most obvious difference is that they work for the Insurance company and NOT the policyholder. Public Adjusters work only for the public and are paid by the public, not the insurance company. It’s also much more difficult to become a state licensed PA than a standard staff adjuster or independent adjuster.
Another major difference is the apprenticeship. Staff and Independent adjusters are not required to apprentice for a year or any set amount of time as a trainee. The motive is different, the program is different, the testing is different, and of course the state license and regulation is different. A Staff or Independent can become a PA, but they have to concede to all of the requirements and relinquish their current license as a Staff or Independent Adjuster. They cannot represent both the Insurance Company and the property owner because that would obviously be a major conflict of interest.
Staff and Independent Adjusters can often be one-sided, biased, and nit-picky, scrutinizing the damages to avoid awarding proper payment, or denying legitimate claims all together. The Insurance company they work for keeps record of how much they’re paying out, and if it reaches a certain number, their job could be in jeopardy. So, they’re pressured to keep their claim payouts as low as possible, to save the insurance company money.
Public Adjusters are there to tip the balance scale back the other way, to look out for the interest of the policyholder. No longer are you left at the mercy of a job-scared biased party. A PA can be hired by you, the insured, to assess the claim, negotiate with the insurance company, and sometimes go to court (as an expert witness) to resolve your claim and get you the money you deserve for restoration of damages.
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Noble Public Adjusting Group has everything on the list of finding “the right PA”. But to be fair, you should do some research for yourself. The internet is the best source for finding a PA that represents clients in your area. As you begin researching, you’ll find that most PA firms are located in large cities, and have a multitude of clients. You want to try to use a firm, or Independent PA who has a lot of business, but is not overwhelmed. Knowing that a PA has a secretary or supportive staff is reassuring.
There should be adequate time for focused attention on each client. Noble PA Group has a branch out policy in place that enables our PAs to focus on a minimal amount of clients at one time, by limiting the number of and hiring more qualified adjusters or office staff when numbers exceed the set amount.
Our pay comes directly from the money the insurance company awards, so there’s no out of pocket expense. Based on contingency, our fee is 20% of the claim total, unless your claim is a result of a declared state of emergency in which it becomes 10%.