Frequently Asked Questions
selection of frequently asked questions to get answers to
important concerns you have below:
What is a CAPIA Public Adjuster?
A Public Adjuster who belongs to the State Association of
Public Insurance Adjusters adheres to a strict Code of
Ethics and is able to take advantage of the best quality
continuing education in the country. Additionally, CAPIA
members have a network of resources to best assist you in
handling your insurance claim.
Can I prepare my own claim?
Yes you can. Be prepared to document all aspects of your
loss, and follow through with the agent and the company.
However, if your loss is significant (more than $10,000) you
should consider hiring your own expert Public Adjuster to
receive your full entitlements. Remember, the insurance
company has their own expert representing them.
Why Should I Hire A CAPIA Public Insurance Adjuster To Get
What is Rightfully Mine?
Many people have difficulty understanding the technical
language of an insurance policy and the complicated
procedures they must follow to comply with the policy?s
terms. This problem is magnified when you have suffered a
loss and are emotional about the situation. That is a
perfect time to have an experienced professional on your
side whose sole responsibility in the matter is to serve
you, the Insured. The insurance company certainly has an
experienced professional working for them.
How Much Do Public Adjusters Charge for Their Services?
Public Adjusters charge a percentage of the settlement for
their service to you. The Public Adjuster is not paid until
you are paid. There are no upfront fees for their services.
Percentages vary from adjuster to adjuster, so it is best to
shop for the best adjuster for you.
Are Public Adjusters trained specialists?
Your CAPIA Public Adjuster is tested, licensed, bonded and
authorizes to practice the profession. By attending
bi-annual conferences, CAPIA members continue their
professional education to keep up with the ever-changing
Insurance Industry. They subscribed to constant emails
bringing them up-to-date on a monthly and weekly basis.
Their network of contacts means the best support staff and
contacts will be working for you.
Are Public Adjusters Affiliated with Insurance Companies?
No they are not. Their services are available only to the
Insured public, not the insurance company.
What Should I Consider When Hiring a Public Adjuster?
Here’s a short list of things to consider
License: make sure their license is up-to-date with the
State of California and make sure they are really a licenses
Public Adjuster. Some people are misrepresented themselves
as Public Adjusters.
Experience: Public Adjusters come from a wide range of
backgrounds ? see if who you are considering has the right
mix for you.
Professionalism: Do not sign blank contracts. A professional
Public Adjuster will explain the fee structure up-front so
you understand why and what you're are paying for.
Comfort Level: This intangible may be quite important if
your claim is complex or extensive. This person will be
helping you through a very traumatic time and resolving the
claim could take some time & find someone who fits your
needs and suits your style.