Public Adjusters and Position Letters—A Match Made in Heaven 

Writing a position letter can feel like explaining quantum physics to a toddler—complex, frustrating, and next to impossible. That’s where public adjusters come in. They’re like the translators, advocates, and strategists you didn’t know you needed. 

1. Decoding Insurance Jargon

Let’s face it—insurance policies are written to confuse. Public Adjusters have the expertise to cut through the legalese and pinpoint the clauses that strengthen your case. 

2. Presenting Rock-Solid Evidence 

It’s not enough to say, “My roof is damaged.” Our experienced inspection team and licensed public adjusters work together to identify damage that otherwise may have been overlooked. They know how to match your property’s damage to th specific coverage outlined in your policy, aiming for nothing to be left on the table. Here’s how they build a case:

Public adjusters know what carriers look for—and what they’ll have a hard time disputing.

3. Speaking the Carrier’s Language

Public adjusters know how to phrase arguments that resonate with claims departments. They craft letters that are professional and persuasive on behalf of the policyholder.  

What Makes a Public Adjuster’s Position Letter Different?

When experts weigh in on the details, the arguments in a public adjuster’s position letter can become even more compelling, making it harder for carriers to delay, deny, and defend. 

The Ripple Effect of a Strong Position Letter

A well-crafted letter doesn’t just improve your chances of getting paid—it may change how the carrier approaches your claim. They know they’re dealing with someone who isn’t backing down without a fight. 

Why You Shouldn’t DIY It

While it may be tempting to draft your own position letter, the stakes are too high to risk mistakes. Premier Claims brings the experience and objectivity to advocate for you effectively. Whether your claim has been underpaid, delayed, or flat-out denied, a public adjuster can take your position letter from “meh” to “masterpiece.”

Contact Premier Claims today!

 

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Involving Legal Professionals in Your Claim

Is Involving Legal Professionals Necessary for Your Insurance Claim?

While the optimism of seeing the world through rose-colored glasses may suggest otherwise, the complexities of insurance claims can make legal assistance invaluable. Discover why having someone advocate for your best interests is crucial in the modern insurance landscape, where carriers aim to protect every cent.

Public adjusters typically handle claim advocacy effectively, rendering attorney involvement unnecessary. However, there are scenarios where legal assistance becomes vital:

Coverage Denial and Refusal to Negotiate

In instances where insurance coverage is denied or negotiations are refused, consider involving legal professionals. Legal professionals work to challenge denials, advocating for policyholders’ right to secure the coverage they’re entitled to. Legal professionals can also engage in negotiations with insurance carriers, striving for a settlement that is fair and reasonable.

Policy Interpretation Issues

Insurance policies often involve intricate language open to interpretation. Legal assistance becomes essential when disputes arise over policy terms. Attorneys can provide clarity on policy language, aiming to safeguard the rights of policyholders and that carriers adhere to the agreed-upon terms.

Bad Faith Practices by Insurance Carriers

Bad faith practices occur when an insurance carrier acts dishonestly or unfairly toward a policyholder. This includes unreasonably delaying claims processing, undervaluing claims, or wrongfully denying valid claims. Legal professionals can identify and challenge such practices, holding carriers accountable for acting in good faith and aiming to maintain fair treatment throughout the claims process.

Beyond the situations highlighted above, there are less apparent, yet valid reasons to consider legal counsel. Chip Merlin of Merlin Law Group, discusses one of these less apparent reasons in his blog “Insurance Company Claims Adjuster Bonus Programs and Criteria.” Some carriers may incentivize adjusters to underpay claims, making it crucial to involve legal representation. Legal professionals can file discovery motions to uncover any undisclosed bonuses that may compromise the fairness of claim payouts.

Uncovering these bonus programs may be challenging, as carriers often attempt to disguise them. An attorney, equipped with the expertise to refine discovery requests, can reveal less savory bonus programs. While not every claim requires legal intervention, having an attorney available ensures that, if needed, assistance is just a phone call away.

Explore the nuances of public adjusting claims and understand when legal involvement can make a significant difference in securing a fair and favorable settlement.

By: Ashley Balsbaugh | Associate Attorney