REEM PUBLIC ADJUSTMENT LLC

1. What is the difference between insurance provider’s & Public Adjuster?

1) Insurance Company

Role: An insurance company provides insurance coverage to policyholders.
Responsibility: It assesses claims, determines coverage, and reimburses policyholders for covered losses.
Adjusters: Insurance companies use insurance/claims adjusters to investigate and handle claims on behalf of the company.

2) Public Adjuster

Role: Works for the policyholder—not the insurance company.
Responsibility: Helps navigate the claim, assess damage, and negotiate for a fair settlement.
Advocacy: Protects the policyholder’s interests and aims to maximize the settlement under the policy.
Compensation: Typically charges a fee (often a percentage of the final settlement) agreed upon with the policyholder.

In summary: The insurance company’s adjuster represents the insurer’s interests, while a public adjuster represents the policyholder’s interests. A public adjuster can be helpful if you feel overwhelmed by the claim process or want to ensure you receive the maximum compensation allowed under your policy.

Please consider the costs and benefits before deciding to hire a public adjuster.

2. How much do they charge for their service?

Your public adjuster’s charge is a percentage of the insurance company’s settlement with you. A public adjuster only gets paid if you get paid. By seeking to maximize your settlement, your public adjuster’s services can save you the cost of their fees, at the very least.

3. When should I hire a Public Adjuster?

Why wait for the best and get the worst? Residential or commercial, the best time to contact a Public Adjuster is at the beginning of the claims process. Don’t give the insurance company a head start!

4. Why do I need help in filing an insurance claim?

The typical policy contains hundreds of provisions and stipulations – various forms and riders that are constantly changing and many complex details about your requirements in case of loss. Most people do not know or understand these policy provisions, and most do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced public adjuster rather than an inexperienced policyholder. A public adjuster has the confidence of the company adjusters who recognize that they are dealing with a professional.

5. Can you help if my claim was already denied?

Yes! We can help appeal denied claims and request re-assessments. Many denials can be successfully challenged with proper documentation and expert representation. We've successfully overturned numerous claim denials by presenting additional evidence and expert analysis.

6. How long does the claims process take?

The timeline varies depending on the complexity of your claim and the responsiveness of the insurance company. Simple claims may be resolved in weeks, while complex claims can take several months. We'll keep you informed throughout the process and provide regular updates.

7. Do you handle commercial claims?

Yes! We have extensive experience handling both residential and commercial property claims. We understand the unique challenges of commercial claims, including business interruption, inventory losses, and equipment damage.

8. Are you licensed?

Yes, all our public adjusters are fully licensed and certified to represent clients in insurance claims. We maintain all required certifications and stay current with industry regulations and continuing education requirements.

9. Will hiring you affect my relationship with the insurance company?

No. We handle all communication with the insurance company professionally. Our role is to ensure you receive fair treatment and maximum compensation. Insurance companies work with public adjusters regularly and understand our role in the claims process.

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