You have seen the television Commercials warning you ‘to not talk to the insurance adjuster!’. Lawyers and public adjusters caution the people that insurance companies have their lawyers fighting for them and you will need a lawyer or public adjuster fighting for you!However, there is a big difference between a lawyer and a PA Attorneys need to graduate faculty, attend 3 years of law school and pass a rigorous state bar exam. Adjusters who represent property owners against insurance companies must pass a 100 question licensing evaluation free of prerequisite course of study in any respect.During The 2004-2005 storms the University of Central Miami received call after call from candidates, especially in South Miami, who wanted to qualify for a 3-20 license.
When Callers were asked if they had any claims experience, it was frequently true that the new candidate was likely to function as a ‘sales person’ instead of an adjuster, but they had a license to solicit customers.What That meant was that the new licensee was going to call on disaster victims seeking to sell them on a PA company’s services. Making that sale meant that the sales person would be given a proportion of any insurance recovery.Honestly, there is absolutely no great response to that question.Disaster Victims are vulnerable and because of this, attorneys may not engage in solicitation. Public Adjusters assert that property owners want that information, but the exact same argument could be made for legal services also.
Licensing and Apprenticeship
As of January 1, 2009, new licensee candidates will no longer be allowed to only take the state licensing exam. They will be asked to serve a 12 month apprenticeship under the guidance of a licensed 3-20 Adjuster. Sounds good, except there is not any requirement that any certified PA actually give an apprenticeship.
Attorneys Vs Public Adjusters
Public adjusters will claim that they understand the claims procedure better than attorneys. This might be true in some cases, since some public adjusters come from an extensive claim’s history, however many don’t.One Thing is absolutely correctall lawyers come from extensive legal training and no public adjuster is permitted to file a lawsuit or litigate a claim which can’t be settled. Find Out what the insurer’s position is prior to employing a Public adjuster miami. If you are the insured you have an obligation to cooperate and help in the settlement of your claim. It might well be that it is possible to resolve your claim without cover a percentage to either a lawyer or a public adjuster.In The end, whether you are hiring a public adjuster or an attorney, find out all you can about that person before signing a contract. You are your own best advocate!