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have questions on what exactly a public adjuster is and how we can help ensure you receive the maximum payout you are entitled to according to your policy? below you'll find answers to some frequently asked questions. and of course we're always a phone call away to discuss any question you may have.
Q: What is a Public Adjuster?
A: A Public Adjusters is a licensed and bonded professional who is regulated by state statues. Public Adjusters are required to have extensive training and today must go through a one year apprenticeship program before they can represent a claim. In addition to attending many seminars and meetings, Public Adjusters are required to complete 24 hours of continuing education and test every two years. A Public Adjusters works solely on your behalf. A Public Adjuster will prepare accurate estimates reflecting current market cost, meet with the insurance adjusters, prepare all necessary documentation, communicate with the insurance adjuster on all matters, and make certain you achieve the equitable settlement you are entitled to.
Q: What are the different kinds of adjusters?
A: There are 3 types of adjusters. An insurance adjuster who solely represents the insurance company. His interests are in behalf of the insurance company. The second is an independent. Independents are employed by insurance companies when they do not have enough of their own adjusters to handle the workload. The third is a Public Adjuster. A Public Adjuster represents you the insured and your interest.
Q: How much will it cost for the use of a Public Adjuster.
A: There is no cost until we collect from your insurance company. We will handle your claim for a small percentage upon payment.
Q: By using a Public Adjuster can my insurance company raise my rates?
A: The Department of Insurance law prohibits insurance companies from taking any adverse actions on the insured for electing the right to representation on an insurance claim
Q: If I have already received a payment for my insurance claim, can I still use a Public Adjuster?
A: Yes. You are entitled to receive the maximum amount of coverage for your loss. We will re-open the claim and fight to recover the full amount you are entitled to under the policy
Q: Am I better off using a Public Adjuster after I see what offer I get from my insurance company?
A: NO! The average individual does not understand the claim process and often supplies incorrect information which can be held against the insured, in some cases even causing a denial of the claim. By using Horizon, we make certain that everything is correctly presented.
Q: Does Horizon take care of the repairs to my property?
A: We are not allowed by law to do so. A Public Adjuster is prohibited from hiring any company to do repairs to a loss.
Q: Can my insurance cancel me if I file a claim with a Public Adjuster?
A: By state law an insurance company cannot cancel your policy. All insurance companies have the right not to renew a policy. Your policy clearly states your right to file a claim; this is why you have insurance.
Q: How do I know if I am covered for a loss?
A: A Horizon loss consultant will review your policy for coverage before filing a claim.
Q: What if I have been denied a claim?
A: We will review your claim and in most cases can re-open the claim including invoking appraisal.
Q: What if I don’t have a claim, do I still need a Public Adjuster?
A: Yes. We will review your policy at no charge and make recommendations for you to discuss with your agent. Horizon Public Adjusters is not an insurance agency, we do not sell insurance. We provide this complimentary service as an introduction to us in the event you may have a insurance loss one day.