• Answers To Frequently Asked Questions

  • What is a public insurance adjuster?

    A public insurance adjuster is an authority on loss adjustments who you can retain to assist you in preparing, filing and adjusting your insurance claims.

    An accredited public insurance adjuster not only has your confidence but also that of company adjusters who recognize that they are dealing with a professional.

  • Are they connected with insurance companies?

    No they are employed exclusively by you – the policyholder – not by an insurance company.

  • What is meant by the term "accredited" public insurance adjuster?

    It means that the public insurance adjuster acts according to a strict code of ethics established by NAPIA, and is an accredited member of the association.

  • What is NAPIA?

    NAPIA stands for the National Association of Public Insurance Adjusters. NAPIA members are experts in the profession of public insurance adjusting who have joined together for the express purpose of professional education, certification and promotion of a rigid code of professional conduct and ethics.

  • How can an accredited public insurance adjuster help me?

    You will have the advantage of expert assistance based on extensive experience in handling numerous technical problems. Your public insurance adjuster relieves you of the many time-consuming and difficult matters involved in preparing and filing a claim and helps you to receive a prompt and fair settlement.

  • Can I prepare my own claim?

    Sure, but it stands to reason that an accredited public insurance adjuster who has years of experience and training can do so with more competence than the policyholder.

    More specifically, a public insurance adjuster will assist you in the preparation of inventories, estimates and other factual proofs of loss. He or she will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. Your public insurance adjuster will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.

  • Why do I need help in filing an insurance claim?

    The typical fire policy contains hundreds of provisions and stipulations, various forms and riders that are constantly changing, and numerous complex details about your requirements in case of loss. Most people do not know or understand these policy provisions. In many instances, insureds do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced accredited public insurance adjuster rather than an inexperienced insured.

  • In the event of a fire or similar destruction of property, does my insurance pay the entire loss?

    This depends on the type of and amount of insurance you carry. It also depends on your expertise or the expertise of your representative, not that of the insurance company’s adjuster. Many insurance policies may pay more than the amount shown on the declaration page. A qualified expert working for you can determine everything to which you are entitled.

  • Why should I engage a public insurance adjuster to obtain what is rightfully due to me?

    Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. Their experience and knowledge allows them to work toward a more favourable adjustment for you, the insured.

  • What is the extent of my public insurance adjuster’s responsibility?

    Your public insurance adjuster assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you that is equitable and includes everything to which you are entitled under your insurance policy.

  • How do public insurance adjusters determine the actual loss?

    They take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing, but which can make a significant difference in the amount of the final adjustment.

  • What special help can the accredited public insurance adjuster give me with technical questions?

    Public insurance adjusters are the experts to turn to when such matters arise. They are concerned only with your interests. Because of their broad experience and specialized knowledge, they prepare your claim so that you can recover to the fullest extent on your insurance coverages. It is up to you to prove your loss. There may be many questions and problems as to how the policy provisions can be applied in different circumstances.

  • Are they trained specialists?

    Yes. Your NAPIA public insurance adjuster must, in virtually all jurisdictions, be tested, licensed, bonded and authorized to practice his or her professional. All NAPIA members are required to abide by strict code of ethics and rules of professional conduct. Furthermore, NAPIA administers a professional certification program designed to broaden the knowledge and enhance the abilities of public insurance adjusters. The program recognizes two levels of achievement.

    A Certified professional public Adjuster (CPPA) must have a minimum of five year’s experience and pass an examination to earn certification.

    A Senior Professional Public Adjuster (SPPA) must have a minimum of ten year’s experience and also pass a rigid examination to earn a "senior" certification. Both are required to continue their professional education in order to keep up with changes in the insurance industry, so they can best serve you.

    When you deal with a NAPIA member public insurance adjuster, you can be confident that your claim is being adjusted by a fully qualified professional.

  • Will a public insurance adjuster help me receive the most prompt and satisfactory settlement?

    Yes. They lose no time in complying with the policy requirements to obtain and evaluate the facts and prepare the claim. The alert, knowledgeable and prompt service they render often preserves evidence that may otherwise be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster your public insurance adjuster can accomplish an equitable and proper adjustment in your best interest.

  • Do they sell insurance or act as insurance agents?

    No! If they were to do so, they would become a representative of an insurance company and would no longer represent you exclusively and independently.

  • Do public insurance adjusters take care of claims other than fire?

    Yes. They will assist you in any claims you may have due to windstorm, explosion and any other insured losses that are sustained (inland marine, business interruption, rental income, improvements and betterments, commission and profit, reporting forms, additional expense, etc.).

  • In the event of a loss, what steps should I take?

    Call us first! We can promptly report the loss to the agent or broker – or directly to the insurance company. Retain the services of an accredited public insurance adjuster to serve you immediately.

  • When was the last time you read and understood the insurance policy that covers your home or business?

    Many people have difficulty understanding the technical language of insurance policy and the complicated procedures they must follow to comply with the policy’s terms. Most people do not realize that insurance company adjusters are trained professionals who represent the interests of the insurance company that employs them.

    You can protect your interests by employing an accredited public insurance adjuster whose sole responsibility is to serve you, the insured.

    Accredited public insurance adjusters are retained for the adjustment of insured claims due to fire, wind, water, vandalism and other perils. The public insurance adjuster serves commercial businesses, public and private institutions, professional firms, homeowners and the general insuring public.

    If a loss occurs, you should give immediate consideration to engaging the services of a public insurance adjuster, especially one accredited by the National Association of Public Insurance Adjusters (NAPIA). This brochure will help you understand how a public insurance adjuster works for you.

    An accredited public insurance adjuster not only has your confidence but also that of company adjusters who recognize that they are dealing with a professional.