Frequently Asked Questions

Browse our 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 its 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 licensed Public Adjuster. Some people have 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 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.