Cdot Public Adjusters, LLC
Insurance Claim Experts
We Fight For The Insured, We Fight For YOU
What is a Public Insurance Adjuster?
Public Insurance Adjusters, sometimes referred to as Private Insurance Adjusters, are licensed insurance professionals who works on behalf of the policyholder to help them navigate the claims process after they have experienced a loss or damage covered by their insurance policy. Public Adjusters do not work for the insurance carrier. We represent YOU, the policyholder.
Unlike insurance company adjusters who work for the insurance company and represent their interests, public adjusters are hired by the policyholder and advocate for their interests. They assess the damage, review the insurance policy, and negotiate with the insurance company to ensure that the policyholder receives a fair settlement.
Public Insurance Adjusters are trained to understand all aspects of the insurance policy. This helps to ensure that the carrier adjusts the loss per the policy that was purchased by the policyholder. Many insurance companies try to enforce "internal guidelines" that are not contained in the insurance policy. The carrier utilizes these "internal guidelines" to reduce claim payments and to increase company profits. The insurance policy is the contract that dictates how the carrier should adjust your insurance claim. A public insurance adjuster will effectively negotiate a fair settlement on your behalf based on the terms, language and conditions of the enforced insurance policy.
Why You Need to Hire Cdot Public Adjusters:
- Assistance with complex claims: Insurance claims can be complex and time-consuming, especially when the damage is significant. A public adjuster can help the insured navigate the claims process and provide guidance on what documentation is needed, what repairs are necessary, and what the insured is entitled to under their policy.
- Maximize insurance payout: A public adjuster works for the policyholder, not the insurance company, so they have the policyholder's best interests in mind. They will work to ensure that the policyholder receives the maximum payout for their loss or damage.
- Save time and reduce stress: Filing an insurance claim and negotiating with an insurance company can be a stressful and time-consuming process. By hiring a public adjuster, the insured can focus on other priorities while the public adjuster handles the details of the claim.
- Technical expertise: Public adjusters have a deep understanding of insurance policies, claims processes, and the various types of damage that can occur. They can help the insured navigate the complex insurance system and ensure that they receive the coverage they are entitled to under their policy.
Overall, hiring Cdot Public Adjusters can provide peace of mind and help you, the policyholder, achieve a fair and timely resolution with your insurance claim.
Types Of Claims We Handle:
We are a qualified public insurance adjusting firm that have experience handling all types of commercial, industrial, and residential property damage claims.
- Hail
- Wind
- Hurricane
- Tornado
- Water
- Fire & Smoke
- Flood
- Collapse
- Theft / Vandalism
- Business Interruption
- Business Income
Our Complete Methodology to Achieving Better Claim Settlements
Cdot Public Adjusters utilizes a six step claim handling process that allows you to focus on your personal life obligations while we maximize your claim settlement.
Policy Review
An insurance policy review involves a careful examination of an insurance policy to understand its terms, coverages, exclusions, limitations, and conditions. This first step in the claims process to help ensure we locate all the coverages or limitations in the policy that will effect your claim. This allows us to better understand your situation and to inform you of the hurdles we will face handling your claim.
Investigation
Documentation is crucial on any insurance claim. Gathering the facts and documenting all damages at the loss location helps prove the loss you have sustained. Our team utilizes advanced technology and decades of construction and insurance claim experience to capture every detail needed to present your claim to the insurance carrier.
Cost Estimation
We pride ourselves on our efficient procedures and detailed estimating processes. We are well trained using a number of estimating software programs that carriers frequently use including Xactimate, Symbility, Simsol, ClearEstimates, and many more. Having extensive experience in these estimating programs doesn't mean that a particular estimate is going to be accurate for any specific claim. We go one step further to ensure that the contractors can rebuild the damages for the amounts we estimate and make sure that we are not inflating claims cost.
Preparation
After the investigation is completed and we have gathered all the evidence and documentation to accurately adjust the loss, we finalize a detailed claim package to justify the loss with the insurance company. This sets the amount of the claim with the insurance company so that any differences between coverage and scope can be addressed.
Negotiation
Once the amount of the loss is established with the insurance company, we then start the negotiation process. This typically involves the back and forth communication to review the difference and discrepancies between the insurance company's estimate and the estimate we provide to properly indemnify the policyholder. We document all the communication during this process to show when the insurance company is not adhering to the enforced policy or the state's insurance code.
Settlement
While public insurance adjusters do not specifically settle claims with insurance companies, we make sure that all policyholders and contractor(s) are in agreement with the loss amount as well as the scope we have proposed. We make sure that the insurance company has addressed all aspects of the loss so that the policyholder can repair the property to a pre-loss condition.
Know The Difference Between Your Adjusters
Staff/Independent Adjusters vs. Public Insurance Adjusters
A staff adjuster is an insurance company employee who is responsible for investigating and settling insurance claims on behalf of the insurer. An independent adjuster is a third party contractor that also works for the insurance company to help adjust the loss similar to the staff adjuster. They both work directly for the carrier, and their main objective is to protect the company's financial interests. They are typically assigned to a specific geographic region or type of claim and are trained to evaluate losses, estimate damages, and negotiate settlements. In the last 8 to 10 years insurance companies are not providing independent adjusters with the necessary information to properly adjust your claim. Independent adjuster no longer get a certified copy of the insurance policy to properly address coverages while at the loss location. Independent adjusters are also limited as to what can be estimated and have to adhere to the insurance companies "internal guidelines" that have no relevance to the enforced policy. This leads to almost all claims to be incorrectly adjusted or severely underpaid.
A public adjuster, on the other hand, is an independent insurance professional who works on your behalf, the policyholder. They are licensed by the state and are hired by the policyholder to assess the damage, prepare and submit the insurance claim, and negotiate a settlement with the insurer. Public adjusters work exclusively for the policyholder and have no affiliation with the insurance company. They are paid a percentage of the settlement amount, which is typically around 10% of the total claim.
In summary, the main difference between a staff/independent adjuster and a public adjuster is who they work for. Staff/independent adjusters work for the insurance company, while public adjusters work for the policyholder. As a result, their objectives are different, with staff adjusters aiming to protect the insurance company's financial interests and public adjusters working to obtain the best possible settlement for the policyholder.
Contact Us Now
Cdot Public Adjusters, LLC
Office:
543 Summit Trail, Boerne, TX 78006
Phone:
(877) 305-0663
Fax:
(877) 305-0441
Email:
info@cdotpublicadjusters.com
Web:
www.cdotpublicadjusters.com
CDOT PUBLIC ADJUSTERS, LLC
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