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.