“WHO’S REPRESENTING THE INSURED?”
When you have a loss (fire, wind, hail, lightning, pipe-leak, flood, etc.) and you file your claim with the insurance company (insurer), and they send their license staff or independent insurance adjuster (IA) to represent them (TIC 4101), the question is “Who is representing you?
PUBLIC INSURANCE ADJUSTERS
L.A. Public Insurance Adjusters is a Professional Public Insurance Adjuster (PIA) Firm, experts in Construction, Estimating, and specialize in Business Interruption.
Licensed with the Texas Department of Insurance (TDI) (#1799458) to conduct the business of insurance and represent the policyholder (insured) on negotiating a fair settlement since 2013.
A great majority of the people never heard of a licensed Public Insurance Adjusters. One big reason, as of March 2020, TDI has over 120,000 Insurance Adjusters (IA) representing the insurance company and less than 1,000 licenses PIA’s representing the insured/ policyholder in Texas, other
than attorneys.
Take the stress off because we are here to assist the policyholder with their insurance claim against the insurance companies, our normal process can be as fast as 2 weeks or around 60 days.
WHAT PUBLIC INSURANCE ADJUSTERS DO?
- Prepare your claim,
- Review Declarations, Policy’s and Endorsements, and determine additional coverage,
- Review any prior payments or claims,
- Schedule for a FULL Inspection – (Interior, Attic, Exterior, Roof, Site, etc),
- Obtain core sample – (laboratory testing) – (Asbestos, Lead Base Paint, Dis-continued Products, etc),
- Coordinate with Engineer, City Inspectors, Fire Marshall, etc.,
- Forensic Estimating,
- Evaluate Business Interruption Loss and Extra Expense,
- Temporary Relocation Assistance,
- Narrative Report,
- Proof of Loss/ Submit,
- Schedule with Adjuster/ Claims Examiner/ Engineers,
- Negotiate the Claim,
- Prepare for Appraisal/ Arbitration Process (if needed) – (additional 180+ DAYS)
We negotiate w/ Insurance Companies and Policyholder negotiates w/ Contractors.
NO RECOVERY/ NO FEE/ NO MONEY UPFRONT
(10% of the Total Amount of the Settlement – “NOT” on new money)
