What to Look for When Hiring an Insurance Adjuster

After some type of disaster or weather event damages your home, you are probably feeling quite stressed out and anxious. Filing an insurance claim with your insurance company can be confusing, especially if you have never done it before. There are a ton of forms and other paperwork to fill out. And it’s even worse if you are already feeling overwhelmed because of the weather event and the damage to your home! We are an insurance adjuster in the Twin Cities, and we have a few tips on what you should look for when you are hiring an insurance adjuster.

The first thing you need to look into is the insurance adjuster’s license. Is the adjuster licensed to work in your state? Get a license number and make sure you verify it with your state department of licensing. Sometimes if the insurance adjuster works for a specific company, they will practice under that license. Either way, get that number and check to make sure it is legit.

You should also ask for some references from the insurance adjuster. Call a few of them and ask about the experiences they had with the adjuster. You should also ask the insurance adjuster a few questions too. For example, how many claims have they handled for other customers? How much experience do they have?

Of course, you should always check on the fees too. How much of the insurance claim money will you owe to the insurance adjuster after the claims process is finished? Make sure you fully understand the adjuster’s fees and how they will be collected from you. And be sure you get everything in writing, just in case.

Last but not least, listen to your gut instinct. If something sounds too good to be true, it probably is. Make sure you get along with your insurance adjuster and that your personalities mesh well, considering you will be working closely with this person for at least a few months until the claims process is finally over.

You should call us any time you need an insurance adjuster! We are fully licensed and experienced, and we do our best to treat our clients with the utmost care and attention to detail.

Would you like more information on how to hire an insurance adjuster in the Twin Cities and the surrounding areas? Call Norcia Insurance Consultants at 1-866-512-LOSS (5677) or 952-892-7831, or you can contact us to set up a Free Consultation.

Need Help with Your Insurance Claims?

Navigating the tricky and often-confusing waters of insurance claims can be overwhelming, especially when you’re already feeling stressed out because some type of tragedy has struck your home. Storm damage? Accident? Or one of those ambiguous “acts of God”? No matter what bad thing has happened, you need insurance claims help. Twin Cities-area Norcia Insurance consultants has a few reasons insurance claims help can bring you peace of mind and help alleviate some of your stress.

The thing is, the insurance companies are not necessarily looking out for you and your best interests. Sure, they will pay out some money to help you recover from that “act of God” or storm damage, but they also need to protect their own interests. So sometimes they will only want to pay out the bare minimum when you submit a claim. And insurance claims forms can be very tricky and detailed. So these are two good reasons you need insurance claims help from Norcia. We can fill out the forms for you and can help figure out why your insurance company has returned your forms. Some possible reasons: missing information, incorrect information, mismatching information or too long of a delay between the incident and when the claims were submitted.

But when you get insurance claims help from us, we can help make sure you get the maximum pay out possible from your insurance company, and we can also help resubmit the forms so the information on them is accurate. When you’re already feeling overwhelmed, getting insurance claims help from a company like ours can be invaluable.

You have enough to worry about when a tragedy strikes. Why should you also have to worry about battling the insurance companies? Just ask for insurance claims help from Norcia and we’ll be there for you to help out.

Just call 866-512-LOSS (5677) or request a Free Consultation.

Understanding the Basics of Being a Public Insurance Adjuster

Have you ever wondered what a public insurance adjuster does? After all, they always seem to show up whenever there is a disaster of some type. This is because it is their job to inspect property and determine just how much the insurance company should pay out. They are there to help the victim(s) get back on their feet as soon as possible so they can move forward with life.

But, how does a public insurance adjuster do this? Is it just a matter of making an educated guess? No, of course it isn’t! There is actually a process involved that any reputable adjuster will employ. Here are the elements of that process: investigate, evaluate and settle. However, a public insurance adjuster has much in common with these other professions – appraisers, examiners and investigators.

With these roles involved, an adjuster may also find themselves doing a variety of other jobs. For instance, they may need to determine if the loss claimed was actually covered by the policy, contact the claimant’s medical professionals or employers regarding any questionable claims, speak to legal representation, negotiate settlement and set up payments.

The job of being a public insurance adjuster is certainly not dull! In fact, it can even mean travelling to other parts of one’s state or to other states to assess damages. In addition, the adjuster must know about a variety of topics that may range from dealing with the aftermath of a disaster like area-wide flooding to understanding the fine details of a worker’s compensation claim. They will interview claimants and witnesses, take pictures and statements and talk to any experts (accountants, architects, construction workers, engineers, etc.) in that field, so that they can be sure to get their client the biggest settlement possible within the quickest amount of time.

Keep in mind a public insurance adjuster is there to help you. It is their job to see that all parties involved are in agreement regarding the incident and the report turned into an examiner clearly explains the situation. In the event that one of the parties is not in favor of the claim or settlement, the adjuster will work with the attorneys and expert witnesses to reach an agreement that pleases everyone.

Should you be in the need of one, it is important that whether you hire one from an insurance company or have someone who is self-employed, that you take the time to make sure that they are licensed and that there are no complaints filed against them. You should expect to pay them at least 10 percent of whatever the final settlement is, as well. 

Simply put, the primary job of a Twin Cities public insurance adjuster is to help you, the client.

Does using a public adjuster increase payments?

In a recent study, the Office of Program Policy Analysis and Government Accountability discussed the value of using a public adjuster, and it showed that claims where adjusters were used had increased payments.

The study (which can be found by clicking here) shows how important and valuable it is to use public adjusters. Company adjusters work on behalf of insurance companies, while public adjusters work on behalf of policyholders.

Another important part of having a public adjuster on your side is that he or she will handle all aspects of the claims process from beginning to end, and policyholders will receive a full explanation of coverage, loss and insurance company claim requirements.

Contact Wisconsin public adjusters by clicking here.

Insurance Adjusters Can Work For You, Or Against You

When you have a major property insurance claim, such as with storm damage, you will be contacted by an insurance adjuster who is assigned to handle that claim. The adjuster will evaluate the damage and follow up with a monetary offer to cover your loss.

There are many factors involved in determining loss. Not only is there the actual damage to the property, but there are secondary considerations. If the damage is to your home, there may be temporary living expenses incurred while the property is being repaired.

If the damage is to your place of business, you may have additional expenses that are required to continue operations while you don't have access to your premises, or you may have a loss of business income that is covered by your insurance policy.

It can be overwhelming to try to determine what is covered while you are already distracted by the displacement and interruption to normal activities. How can you possibly know if your insurance company's adjuster is considering all of the appropriate expenses and losses, when you may not even understand the intricate details of your insurance policy?

Insurance adjusters sent by the insurance company, represent only the interests of the insurance carrier, not your interests. His job is to settle the claim efficiently with the minimum financial impact on the insurance company. So what do you do?

The solution is to get your own Minnesota insurance adjuster. You can engage a Public Insurance Adjuster to represent you in settling the claim. A public adjuster represents only the insured party, is extensively trained in insurance, and is usually required to be licensed by the state.

He or she will be able to properly evaluate the losses that you have incurred, as well as determine the obligations of your insurance carrier. They will be familiar with the intricacies of insurance settlement and knowledgeable in the subtle differences in terms such as "actual cash value" as opposed to "replacement cost". These terms are quite different and don't necessarily mean what the average none trained person would expect.

To learn more about the role of insurance adjusters in settling your claim, click here to read the article, “The Truth about Insurance Adjusters.”

Insurance Adjusters: What Do We Do, Exactly?

Norcia Insurance Consultants has for over 20 years been in the insurance claims industry. But, what exactly does this mean? If you're not familiar with insurance adjusters, you might not be sure what are our duties as Minnesota insurance adjusters consist of. 

What an insurance adjuster does

The primary role of an insurance adjuster is to help his or her clients after they've experienced damage or loss of property, or were somehow injured. The adjuster investigates the claims to ensure the entitled settlement is disbursed to the proper party.

Skills needed to be an insurance adjuster

The most successful insurance adjusters are capable of working with a wide range of people, and need to compile a variety of information, including photographs and statements, and must be able to prepare reports about claims received. Putting together these reports requires talking with experts like accountants, lawyers, physicians and more, who can provide you with the necessary assistance. 

Official requirements needed by insurance adjusters

No educational requirements are necessary to become an insurance adjuster, as most companies provide novices with on-the-job training. If you pay close attention to details and quickly pick up on things, you'll be able to rise more quickly in the ranks. Having experience will help you in moving up to higher positions more quickly.

There will always be a need for insurance adjusters

Insurance claims adjusters like Norcia Insurance Consultants will always be needed, as people will require assistance and support when filing an insurance claim, and the industry is expected to grow dramatically over the next 10 years. 

Why hire Norcia Insurance Consultants?

When you experience loss due to a storm or other disaster, it can be an extremely trying and stressful time, made even worse by the fact that your insurance company may not be as helpful to you as their commercials would lead you to believe. When you want an unbiased, third-party look into the events surrounding the damage you've experienced, a fair inventory of what you've lost and assistance in submitting the proper paperwork for reimbursement, get in touch with Norcia Insurance Consultants.

Norcia Insurance Consultants are MN insurance adjusters that have been serving Minnesota and Wisconsin for over 20 years. If you're seeking the money you're entitled to from an insurance company after a disaster, call us today at (866) 512-5677 for a free insurance consultation.