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 the 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 which employs them.
• You can protect your interests by employing an accredited public adjuster whose sole responsibility is to serve you, the insured.
• Accredited public 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, financial institutions, professional firms, homeowners, and the general insuring public.
• If a loss occurs, you should give immediate consideration to engaging the services of AAA Public Adjusters. This question and answer section will help you understand how a public insurance adjuster works for you.

What is a public insurance adjuster?

An authority on loss adjustments who you can retain to assist you in preparing, filing, and adjusting your insurance claims.

What is meant by the term "licensed" public insurance adjuster?

It means that in virtually all jurisdictions the public insurance adjuster is tested, bonded, and authorized to practice his or her profession. 

AAA Public Adjusters is a Member of NAPIA. 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, obtaining certification and promoting a rigid code of professional conduct and ethics.

Are AAA Public Adjusters connected with insurance companies?

No. We are employed exclusively by you - the policyholder- not by an insurance company.

How can AAA Public Adjusters help me?

You will have the advantage of expert assistance based on great experience in handling numerous technical problems. AAA Public Adjusters 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 the AAA public insurance adjuster who has years of experience and training can do so with more competence than the policyholder.

More specifically, a AAA 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 AAA 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 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 accredited public insurance adjuster rather than an inexperienced insured.

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

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

This depends upon the type 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 AAA Public Adjusters to obtain what is rightfully due to me?

Insurance companies offer to pay what is due to you as they see it. AAA Public Adjusters are your exclusive representatives. With our experience and knowledge we are better able to obtain a more favorable adjustment for you, the insured.

What is the extent of AAA responsibility?

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

How do we determine the actual loss?

We 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 can make a significant difference in the amount of the final adjustment.

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

We are the experts to turn to when such matters arise. We are concerned only with your interests. Because of our broad experience and specialized knowledge, we 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 we trained specialists?

Yes. Your AAA public insurance adjuster must, in virtually all jurisdictions, be tested, licensed, bonded, and authorized to practice his/her profession. All of our public insurance adjusters must go through rigid training and have a minimum of five years experience in the field. We require our public insurance adjusters to continue their professional education. This assures that they keep up with changes in the insurance industry, so they can best serve you.

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

Will  AAA Public Adjusters help me receive a more prompt and satisfactory settlement?

Yes. We 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 we render often preserves evidence that may otherwise be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster AAA Public  Adjusters can accomplish an equitable and proper settlement in your best interest.

Once a policyholder has witnessed the skill and knowledge of a AAA public insurance adjuster, he or she rarely will attempt to settle a claim without the benefit of his or her specialized assistance. The AAA public insurance adjuster's most frequent sources of new clients are the recommendations of those they have previously served.

How much do we charge for our service?

Our charge is a percentage of the insurance company's settlement with you. By seeking to maximize your settlement, our services can save you the cost of our fees, at the very best.

In the event of a loss, what should I do?

Promptly report the loss to AAA Public Adjusters

Does AAA Public Adjusters take care of claims other than fire?

Yes. We will assist you in any claims you may have due to windstorm, rain, hail, snow, water, flood, explosion, theft, vandalism 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.).

Do they sell insurance or act as insurance agents?

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