A freak flood wreaks havoc on your home. You have insurance, yet you do not know how to proceed. How do you fight for your insurance claim? Can you trust your insurance company to handle your claim for you without delay? How do navigate the process to recover financial loss following a devastating accident? After something damages your property, your first steps are crucial. No matter the type of property in question, public adjusters can be of service. Proceed with caution, however.
To aid in their fight, homeowners turn to public adjusters. Public adjusters fight for the rights of the homeowners. Instead of fighting for homeowners, some public adjusters fight for themselves. These scammers seek to swindle money out of Pennsylvanians who are in desperate situations. At Freundlich & Littman, LLC, we fight for our clients. We know that not all public adjusters are good. If you need to file a claim against your public adjuster, reach out to us today.
We want you to be aware of warning signs. Know when a public adjuster is not the right choice.
What Is The Purpose Of A Public Adjuster?
A public adjuster is a mediator between a claimant (the person with damaged and insured property) and the insurance company. Public adjusters have the ability to negotiate on the claimant’s behalf. In essence, the adjuster does not worry about whether the insurer will pay. Rather, a claims adjuster worries about amounts.
A claims adjuster values the damage on your property. Then, they negotiate the details with the insurance company.
What Are Warning Signs Of A Public Adjuster?
Not all people claiming to be public adjusters are legitimate. Before agreeing to deal with a public adjuster, consider these warning signs:
Money is the end goal for false public adjusters. Beware of the public adjuster who wants the money up front. Most public adjusters contract on a contingency basis. Likewise, they will not ask for money until after the insurance company cuts the check. Any demands for money up front is a sign you should decline their offer.
Previously unknown damage.
An adjuster knocks on your door. They seem friendly enough, but they inform you that there is damage to your property. You were not aware of the damage. This is a red flag. Adjusters show up to homes in areas affected by storms. This is normal. What is not normal is a claim adjuster seeking to defend you for small claims. Insurance companies are more likely to pay out small insurance claims. An adjuster, therefore, is not necessary.
Inducement of fraud.
This goes without saying but be wary of an inducement to fraud. Any “spin” on your damage for the sake of increased money is fraud. They may even offer to cut you in on the extra profit. Do not go for this bait. Find another public adjuster.
In the state of Pennsylvania, public adjusters MUST register with the state. If they cannot provide you with proof, check http://www.insurance.pa.gov/ under the heading “Online Resources.” The state lists registered adjusters here. If they are not on the sit, decline their services.
Forgoing the contract.
By Pennsylvania law, a public adjuster must sign a contract with the claimant. According to the Pennsylvania insurance department of public adjust contract must contain:
“You have the right to rescind the contract within three (3) calendar days after signature.
The public adjuster must disclose that their fee will come from a portion of the claims payments from your insurance company and will not be in addition to those payments..
The public adjuster is required to provide you with a copy of an estimate or report of losses and, upon your request, any supporting documentation sent to the insurance company on your behalf.
The public adjuster is not a representative or employee of the insurance company. He or she is an independent licensee of the Insurance Department.”
Public adjusters make these fraudulent claims to make money. Scammers attack the most vulnerable. Stressed out individuals are an easy target. Do not allow yourself to be further victimized. Seek legal counsel to remedy the financial pain left by a bad public adjuster.
Pennsylvania Public Adjuster Claims
If you signed up with a public adjuster who victimized you, do not worry. We at Freundlich & Littman, LLC wish to heal the victimization. If a public adjuster ran away with your money, give us a call. A public adjuster’s job is to aid in the healing process, not to cause more wounds for the wounded.
Do not hesitate to reach out to one of our trusted and experienced lawyers today. If you are looking for Philadelphia public adjuster claims attorney, look no further. Contact us today to schedule a free consultation.
Contact Us Today!
Freundlich & Littman, LLC. | 1425 Walnut St Suite 200,
Philadelphia, PA 19102 | Phone: (215) 545-8500
Jonathan Rosenau represented me in the property damage claim to the insurance company. He is talented. He is intelligent. He is professional. He prepared me for examination under oath and provided the best course of action in my situation. As a result of his hard work Insurance Company agreed to reimburse the loss. I highly recommend the firm, and specifically Jonathan Rosenau! Thank you very much for your help!
Jonathan was amazing. Professional, hard-working, dedicated and communicates whenever necessary. I never felt left out of what was going on. On a scale of 1-10 he gets 11. Jonathan performed beyond my expectations. I could not have hoped for a better outcome. Best law firm ever and I've used many. Thank you so much. Lorraine
The team at Freundlich & Littman is superb in every way. They are dedicated, professional and focused on getting their clients the best results. If you want to feel like your lawyer has your best interests at heart, I would call Freundlich & Littman!
I called freundlich and littman after being involved in an automobile accident and they got me in the very next day. After meeting with Johnathan Rosenau Esq. I decided to let them handle my case. The process as a whole is very stressful but Johnathan and the other lawyers made the process very easy. With most lawyers you constantly have to call to check up on your case but with Freundlich and Littman they were the ones calling me and making sure that I was doing everything I needed to be doing. I didn't feel like numbers on a spreadsheet as you might with one of the bigger firms advertising on tv. I was always talking directly to my lawyer Johnathan. When coming into the firm for a meeting I was able to sit with all the lawyers and I was able to ask them all any questions I had. Thats whats unqiue with this law firm, you have your main lawyer but all the lawyers are very knwoknowledge about your case as if it was their own. I am thankful for how hard Johnathan and the other lawyers worked on my case. I am very happy to say that this process has finally come to an end. I hope that I am never involved in an automobile accident in the future but if I am I know who to call.
I called and spoke with Dave who gave me solid advice, free of charge, when other lawyers were telling me to pay them a consult fee just to be able to ask my question! Dave saved me a ton of money and time and I’ll be able to sleep peacefully tonight. Thank you!
David Jaffe is one of the most detailed oriented, well-educated and all around fantastic human beings that I have had the honor of speaking to. David as a lawyer; where do I begin? He went above and beyond for me and returned every call I had quickly, answered all my questions with a level of concern and detail that I did not know existed. Many people who seek the advice and representation of a lawyer do so in a state of worry, anxiety and inability to trust anyone within their situation. David Jaffe not only calmed me down but made me feel like everything was going to be okay (which it is, because he is a genius lawyer). He answered all of my questions even the crazy ones. He never made me feel unheard or ignored. He has a passion for what he does. He has a level of concern that made me not only trust him but trust the entire Freundlich & Littman team. The world is a terrible place we all know that, but after my experience with David Jaffe I think that it actually may not be as bad as I originally thought. If you are in need of legal representation and are reading this then call that number, choose option 6 for David or ask the very kind office personnel who answers your call for David Jaffe. I am not the kind of person who normally leaves a review but then again David isn't your normal kind of lawyer. Thank you again David Jaffe, you are a superhero.
Greg is a fantastic attorney. I have encountered many attorneys in my professional career, this was a very complicated property transaction; however, Greg was so efficient, effective, prompt, professional and delivered. Therefore, I would highly recommend him.
F&L was responsive, understanding, and prepared us well for the lengthy and emotional process that was unavoidable with our complex case. Greg and team remained patient and persevered. We were able to successfully settle our case and move on with our lives. For this, we are grateful for F&L’s efforts and service.
I called and spoke with Jon Rosenau and he gave me great advice about dealing with my landlord. Other firms wanted me to pay them hundreds of dollars just to ask a few questions but Jon was willing to answer everything for me and gave me options I didn't even know I had. Really appreciate the time he spent on the phone with me and I will keep his number saved on my phone in case I ever have anything else I need help with. Highly recommend!
I was involved in ATV accident and Jon went out of his way above and beyond to make sure I was taken care of and he even made sure to include me in on the whole process since this was my 1st going after an insurance company. We won the case and I'm sure it wasnt easy for them. I cant thank Jon and his wonderful staff enough for everything. Thank you so much! Happy holidays
I highly recommend Jonathan Rosenau and his team for any legal needs. I was involved in an accident with a ridesharing service and after doing research on several lawyers I decided Jonathan would be the best to represent me. He and his team were extremely professional, helpful, and knowledgeable. He was always a call or email away and very prompt at responding to any concerns I had. You can tell he is passionate about his profession and he truly cares about his clients. I can’t thank him and his team enough for helping me with my settlement!
Over a year ago we became victims of a devastating fire that destroyed our apartment and virtually everything we owned. Recently, we started receiving horrible letters claiming that we were somehow at fault and would be held financially responsible for the damage caused to the neighbors home. Feeling horrified and vulnerable, we called Austin and Greg for help. Not only were they kind, professional, and knowledgeable but they got right to work addressing our concerns and being our voice when we just felt lost and hopeless. Austin and Greg took the time to explain every step of the process with us and ease our overwhelming anxieties and fears. All it took was one letter from Freundlich & Littman and in just a few days we received word that the case had been closed and our prayers were answered. Needless to say, it was an extremely stressful time for us and Austin and Greg could not have been more supportive and considerate. I highly recommend you reach out to Freundlich & Littman with any legal concerns, they will ease your stress and protect your family, just as they did for us!
Using F and L was the best decision I made after a pretty traumatic accident. Jonathan Rosenau was there for me every single step of my journey. He responded quickly, was professional, but also personable. He not only advise me what should be done but guided me through a very difficult time. He didn’t hesitate to ensure that my health was given top priority while he took on all the details. I also don’t doubt that he can push to ensure things get done when needed and is extremely knowledgeable in doing so.
Greg was easy to work with and efficient. Before I walked in, he had everything pulled up for me to read and explained all the information clearly throughout the process. Definitely will reined him to anyone with a legal issue.
Austin and his team are truly LIFESAVERS! They stood up for me when I needed it the most. Austin took the time to keep me informed and answer all of my questions with professionalism and care. In what seemed like no time at all they got us answers and restored our sense of security. I would absolutely recommend Freundlich and Littman to anyone who needs a strong voice to fight for them.
I submitted a inquiry through their company website about a landlord tenant issue I’m currently facing. The next morning David responsed via phone. He was so nice and eased some of my worry over the phone. I may have a long way to go with this Situation, but if it comes down to me needing representation I will personally reach out to Attorney David immediately. I also appreciate the young woman who answered the phone, she was also familiar with my inquiry and very eager to Help. They both were the light I needed in this unfortunate circumstance. THANK YOU SO MUCH For the kindness you showed me.