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By Robert Brooks


Only a small handful of the wealthiest people on earth can possibly afford to replace their major assets after a calamity. The rest of the people have to depend upon insurance companies to help them protect their assets against damage and destruction. They pay monthly premiums, often for many years, but when they have to deal with a catastrophe, they expect the insurer to make good the damage or the loss. With help from a public adjuster Naples FL claimants can often settle their claims quicker.

The combined financial strength of insurance companies around the world is beyond belief. These companies have to cover the potential damage to and destruction of assets worth many, many billions of dollars and they have millions of clients paying them monthly premiums in order to do so. They have to be careful, of course. For that reason their policy documents are very complex legal documents.

Adjusters are important players in the entire insurance industry. They are independent professionals that are able to represent either claimants or insurers. Their jobs are to make sure that claims are handled and assesses fairly and that justice is done. They charge hefty fees but they enjoy such a high standing in the industry that it is well worth it to have one on your side.

Professional adjusters only deal with large claims. They prefer cases where big claims due the loss or damage of properties or huge assets are involved. In such cases, they are able to assemble comprehensive claims based on expert judgments regarding the losses suffered. In fact, they are hired by insurers as often as they are hired by claimants. In many cases both parties hire adjusters to represent them.

Prudent people sometimes hire adjusters simply to help them make sure that they are properly covered. The complex nature of modern insurance policies makes them difficult to understand and to spot potential pitfalls and exclusions. Policy holders therefore invest in the extensive experience and knowledge of adjusters to help them make sure that they will not encounter any problems if they have to lodge a claim.

Far too many claimants only hire adjusters when they have a dispute with the insurer. Many adjusters will not take on such cases because it is often more time consuming and difficult to sort out an existing mess than handling the matter from the start. Adjusters will prepare the claims, gather supporting documents and make sure that the entire claim process is expedited as far as possible.

Both insurers and claimants tend not to dispute the recommendations of adjusters. Their independence and objectivity allow them a certain respect throughout the industry. For this reason, claims managed by adjusters are normally settled quickly and without too much fuss. They are thorough, unbiased and honest. If a matter goes to court, their testimony is held in the highest regard.

Adjusters play a role in keeping the entire insurance industry honest. They will not represent claimants that try to slip fraudulent claims through the back door. The will not support insurance companies that try to negate on legitimate claims. In some sense, they are the conscience of the industry.




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