People’s Public Adjuster is your Des Moines, IA resource for loss consulting. When your home or business is affected by fire or other natural disaster, call us to help maximize your insurance claim. We are a licensed public adjuster in both Iowa, Kansas, Missouri, Oklahoma, Georgia, and Texas. We have more than 10 years in the insurance business and are dedicated to working with you to maximize your financial recovery.
What’s a Public Adjuster?
Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during a property insurance claim process.
That’s the definition Wikipedia offers. But what’s it really mean? It means we have the legal authority to help you complete the insurance claim process if your property has been damaged or destroyed by catastrophe, to ensure you recuperate the true value of your possessions.
Mainly, it means we work for you – not your Insurance Company. At Peoples Public Adjuster our mission is to help rebuild lives one insurance claim at a time and relieve you of the stress and uncertainties that lie before you.
We have the necessary knowledge and experience to handle a wide range of claims, such as fire, wind, hail, flood, tornado and hurricane damage. And we’ll work tirelessly to document and estimate your loss as accurately as possible, so the claim you receive is what you deserve – not what your Insurance Company thinks your possessions were worth.
Expert Loss Consultation
We provide our clients with the most valuable service of all – loss guidance and consultation. This service cannot be duplicated or purchased, but can only be obtained through the many dedicated years we have devoted to helping people navigate the insurance claims process.
Our considerable experience allows us to analyze claims through both the Insurance Company’s perspective as well as yours. In addition to possessing valuable insights of industry norms, we have developed extensive relationships with specific insurance entities, including but not limited to: Insurance Company staff adjusters, independent adjusters, restoration and construction professionals, engineering and architectural professionals, accounting professionals, and legal professionals – among many others.
We hope you take the time to read the following information we have provided. We hold every confidence that not only will you learn the many advantages of having your own public adjuster, but more importantly, that it’s your right to have one!
Learn More About People’s Public Adjuster:
The Insurance Company Adjuster:
Think about it, the Insurance Company that wrote your policy is now sending out its own adjuster to decide what they will pay you. The adjuster’s job is to settle your claim on the company’s behalf and minimize your settlement. Keep in mind an Insurance Company is a business and, like any business, its goal is always profits. Profits are increased by restricting your recovery. Sounds a little unfair, don’t you think? We certainly do. In fact, we know so!
It is your responsibility as the policyholder to prove your loss. Don’t let them pretend to prove it for you!
The Contractor:
Eventually you will need to hire a contractor to perform the work, unless you plan to perform the work yourself. Most contractors are not insurance experts and thus their estimate will lack the detail and documentation necessary to substantiate your loss to your Insurance Company. They will not be able to assist you with other facets of your building loss – such as calculations of Depreciation, Co-Insurance, or Broad Evidence – or assist you with your other loss exposures, like Personal Property, Additional Living Expense, Business Income Loss, and Extra Expense.
They will also prepare their proposals on the basis of competitiveness in an effort to win the job – not to receive the maximum amount recoverable for the repair!
The Public Adjuster:
A public adjuster is an insurance claims adjuster who works as an advocate for you – the policyholder. Licensed public adjusters are the only type of claims adjuster that can legally represent your rights during the insurance claim process. On behalf of the policyholder, public adjusters thoroughly appraise all damages, prepare repair and related loss estimates, and negotiate the maximum possible settlement with the Insurance Company.
44 states recognize that policyholders need someone on their side of the claim, someone who is as familiar with the process as the Insurance Company’s adjuster. It’s for this reason they recognize, license and regulate the “public adjusting” profession.
Contact People’s Public Adjuster today at 515-710-8696, or browse the website for more information about our products and services.
