A Public Adjuster or a Public Insurance Adjuster is an expert in loss adjustments and the recovery process, whom is employed by the policyholder. The Public Adjuster assists you (the insured) in preparing, filing, and negotiating insurance claims in regards to property loss. He/she works on your behalf.

Most likely, NOT. The insurance adjuster represents the insurance best interest, not yours. Neither the insurance carrier nor the assigned adjuster is responsible for writing a detailed estimate of your loss. Frequently, these estimates are missing items; and if provided, they usually do not accurately reflect the market cost in your area.

The Public Adjuster is employed by YOU, and he/she works on your behalf. The insurance company’s adjusters are employed by the insurance company, and their responsibility and accountability rest with the insurance company.

There are several reasons why you may want to consider obtaining help with your claim:
Filling a claim requires written, itemized statement of your losses. You may not realize what the extent of your coverage is, and the insurance company is not obligated to tell you. The public adjuster will help you identify & obtain everything to which you’re entitled to.
Filing a claim is a tedious, time consuming, and an aggravating process. The public adjuster can take this burden off your shoulders and free you, to do what you do best.
The Public Adjuster has experience and knowledge, which can help the negation of the claim. The professional Public Adjuster is recognized and respected by the insurance companies.

Public Adjusters are licensed in some states. All Blue Point Public Adjusters are licensed in Illinois.

NO, most policies include the right to have an appraisal referee, and if necessary the right to litigation. In any case, DO NOT SIGN ANY WAIVER for/from the insurance company.

NO. A Public Adjuster cannot function as a contractor and vice versa. If he does, his estimates may not be recognized by the insurance company.

Absolutely NOT. Public adjusting is regulated by the Department of Insurance. As a policyholder you have the right to hire an expert that will represent you and work on your behalf. Cancelling your policy because you hire a Public Adjuster is a violation of State Legislation.

If there are any problems or delays in your claim, they most probably exist whether or not a Public Adjuster is involved. It is very likely, that the Public Adjuster will help expedite the solutions to the problems.
The Public Adjuster strives to conduct the claim negotiation with insurance adjuster with mutual respect and professionalism. However, if an insurer does not want you to hire a Public Adjuster, that insurer cannot possibly have your best interest in mind. You can always bring such matters to the attention of the State Department of Insurance.
Your settlement is likely to proceed faster when a Public Adjuster works for you, diligently. He is on the alert for any development in your case, and will not let it be forgotten or dropped.

In case of litigation with the insurance company you should definitely hire a lawyer. However, you can go to court only after you comply with certain steps and assemble the “Proof of Loss” documents. Your lawyer does not deal with matters of damage assessment, and may have to hire a Public Adjuster to gather the necessary documents.

Your agent is well trained in determining your insurance needs, not insurance claims. In addition, his/her loyalty rests with his employer; the insurance company.

No, No, and No. The Public Adjuster is employed exclusively by the public, meaning the policy holder. Selling insurance or acting as an insurance agent would be a conflict of interest.

Probably NOT. Call (888) 781-2583 for a no charge consultation, and we will see if we can help you with your previous claim.

Public Adjuster’s compensation is a small percent of your insurer’s settlement.

You can contact our firm via telephone (888) 781-2583 and request a review of your loss. You will need a copy of your insurance policy; if you do not have it available, you can obtain a copy from your insurance company.

NO. The insurance company does not have the right to raise you premium just because you file a claim. If the premium is increased, it will be increased due to several reasons, either because they had a large amount of claims file in the neighborhood or because it has increased overall in Illinois. Every year the premium increases.