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When filing a property claim after a disaster, it’s rarely a bad idea to hire a public insurance adjuster | Property Insurance Protection Law Blog



Guess where the title of this post was copied from? Massachusetts Division of Insurance!

How different public adjusters are treated by state leaders in Massachusetts than in Florida.

The Massachusetts Division of Insurance website notes:

After a disaster, an insurance adjuster can help homeowners navigate the claims process and obtain the maximum claim for damaged property.

An insurance company can have its own adjusters or hire independent ones and their services are provided free of charge. In Massachusetts, consumers also have the option of hiring a public insurance adjuster. Public insurance adjusters are licensed by the Division of Insurance (DOI). They are not affiliated with any particular insurer and charge a fee for their services, which can be up to 1

0% of the final recovery from the insurer.

When filing a property claim after a disaster, it’s rarely a bad idea to hire a public insurance adjuster. However, it’s important for consumers to remember that scammers can pose as licensed professionals to take advantage of them in the aftermath of a disaster, when emotions and stress typically run high.

Public adjusters in Massachusetts must have experience adjusting losses before applying to become a public adjuster:

The applications must be kept by the commissioner. No application shall be made unless and until the applicant shall demonstrate that he has 2 years of experience in performing services in connection with the adjustment of property losses.

I noted that Florida’s leader who oversees public adjusters, Jimmy Patronis, owes an apology to public adjusters in Jimmy Patronis owes an apology—pay up! Explains why. I find it interesting that government leaders outside of Florida view public adjusters differently and encourage policyholders to hire reputable public adjusters.

Today’s thought

I would rather entrust the United States government to the first 400 people in the Boston telephone directory than to the faculty of Harvard University.
—William F. Buckley, Jr.


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