Marcin Koziol
Co-OwnerMikolaj Chlopicki
Co-OwnerBarbara Infantino
ManagerKathy Kopec
Senior Sales representativeWhat is a Public Adjuster?
A Public Adjuster or a Public Insurance Adjuster is an expert on Hail and Wind Damage, as well as the recovery process, who is employed by the policyholder. The Public Adjuster assists you, the insured, in preparing, filing and managing the payment of insurance claims regarding property loss. They work on your behalf.
Why can’t my insurance agent handle the claim for me?
Your agent is trained in determining your insurance needs, not negotiating insurance claims. Additionally, on most occasions your agent’s hands are tied because their employer is the insurance company. While on the other hand, Public Adjusters are employed exclusively by you, the policyholder.
How can a public adjuster help get my roof damage claim approved by insurance and fixed (repaired or replaced)?
Public adjusters, like almost all other professionals, have individual specialties and niches. A great way to maximize your representation during a property/roof damage insurance claim process is to work with a public adjuster who specializes in that type of insurance. For example, an adjuster who has a background in roof damage claims and who has worked in the roofing, construction and property damage mitigation industry will be uniquely equipped in terms of knowledge and expertise to help get the full value of your roof approved by your insurance company. But when it comes to executing the actual repairs, you will need a qualified, licensed and insured local roofing contractor. Luckily for you, Elite Adjusting Group is partnered with Elite Exteriors to make even the construction process easy for you! For more information, please visit www.eliteext.com
When should I hire a Public Adjuster?
One instance when you might want to hire a public adjuster is when you’re having difficulty preparing an insurance claim on your own. Elite Adjusting Group helps you with the claim preparation and has an expert roofing company to confirm the costs of any replacement materials needed, all repairs that must be addressed, and what the labor costs will amount to. This is a little more intimidating than it might sound, because in truth, preparing and filing an insurance claim for a damaged home or roof can be a very exhaustive and detailed process. If you don’t file a claim accurately and correctly, the entire process can be delayed considerably, and in the meantime you have a damaged roof, which needs to be restored before the next storm comes along.
Another time when hiring a public adjuster would be highly advantageous for you is when the insurance company disagrees with the dollar value of a claim you have already filed, and is offering a substantially lower settlement. Having a public adjuster stand by you throughout this process can be worth every penny, especially for someone who is completely inexperienced with filing insurance claims of this nature, and who is also inexperienced in negotiating with roofing contractors.
How do I hire a Public Adjuster?
To hire a Public Adjuster you can contact our firm via telephone (773.263.3975) or email ([email protected]) and request a free property inspection. You will need a copy of your insurance policy. If you do not have it available, you can usually obtain a copy from your insurance agent with a request in writing.