A Public Adjuster in the state of Illinois offers a win-win-win scenario!
To negotiate an Illinois homeowner’s damage claim with an insurance company, you must either be an attorney, the policyholder, or a PUBLIC ADJUSTER. If you are a contractor without a P.A. license, you are only allowed to provide an estimate – you are NOT legally permitted to negotiate with the insurer.
Once you have your Public Adjuster license, and have your P.A. contract signed with the homeowner, you can help all parties to WIN:
THE HOMEOWNER REPRESENTED BY AN ILLINOIS PUBLIC ADJUSTER WINS:
You help the homeowner WIN by negotiating a more fair and complete settlement of the claim. How do you do this? As a roofing and insurance professional, you will often find code upgrades missing from the insurer’s settlement offer. You may also discover more storm-related damage that the insurer did. You can assist the homeowner in presenting a more thorough estimate to the insurance company. Your construction knowledge, insurance expertise, and negotiating skill will be combined to bring about a much better outcome for the homeowner.
THE PUBLIC ADJUSTER WINS:
You help yourself WIN financially by making commission from the sale of Public Adjuster services. There are also intrinsic benefits to you — by truly helping the homeowner to get a proper claim settlement, you will feel redeemed and satisfied. You will feel good about the work you are doing.
THE ILLINOIS DEPARTMENT OF INSURANCE WINS:
A Public Adjuster is an insurance professional who is well trained in homeowner’s policies and other insurance concepts. When a Public Adjuster is working on a claim, there is much less chance for the homeowner to feel bullied, cheated, or pressured by the insurance company. Claims will be settled more fairly and completely. As a result, there will be far fewer complaints to the Insurance Department.
THE INSURANCE COMPANY WINS (really???)
And yes, you even help in the insurer WIN. How? You make the insurer look better in the end by closely monitoring its behavior. You will force, if necessary, a higher claim payout. A more generous claim payout will improve the insurer’s image and brand. And if the insurer pays out more, then rates will be increased for future years. So in the next year, the insurer can make even MORE money.