Public insurance adjusters evaluate property loss on behalf of a policyholder and help them file insurance claims in exchange for a fee. They are licensed professionals who work for individuals and businesses – not insurance companies – and can add tremendous value by getting the most out of an insurance policy’s coverage.

What Is A Public Insurance Adjuster?

Public insurance adjusters are the only property loss professionals who work on behalf of policyholders. Individuals and businesses hire public insurance adjusters when they need assistance initially filing a claim or feel a claim amount offered by an insurance company is incorrect.

 

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Target acknowledged Thursday that data connected to about 40 million credit and debit card accounts was stolen as part of a breach that began over the Thanksgiving weekend.

It’s considered the largest credit card breach in U.S. history since the breach discovered in 2007 involving retailer T.J. Maxx and roughly 45 million card users.

This massive breach is a wake-up call for organizations to take a better look at what types of security they have in place, and what types of training their employees are going through.

Already, at least two lawsuits seeking class-action status have been filed against Target. And attorneys general from New York, Massachusetts, and Connecticut have contacted the retailer seeking more information about the breach and the steps being taken by Target to protect consumers.

And according to media reports, these stolen consumer data are already flooding the black market. Credit and debit card accounts stolen from Target’s data breach are being sold on underground black markets for anywhere from $20 to more than $100 per card, reports KrebsOnSecurity, a security news website.

In such data breach cases, there are several policies that are important for the companies to look at as possible insurance coverages to be triggered, according to attorneys who spoke with Insurance Journal.

Target declined to comment on an inquiry regarding its insurance coverage. But attorneys observed many companies are purchasing insurance coverages to protect against such data breaches.

“A lot of companies are purchasing specialized cyber insurance policies so those have to be examined,” said Joshua Gold, a New York-based attorney and shareholder at law firm Anderson Kill. Gold regularly represents corporate policyholders in insurance coverage matters. Such cyber insurance can be tailored to cover a wide range of expenses, even costs for forensic accounting, credit monitoring, crisis management, notification and setting up call centers to respond to consumer inquiries.

There could also be some measure of protection under traditional policies like the commercial general liability policy, even though finding coverage under traditional policies may be getting increasingly more challenging as the industry continues to add data breach-related exclusions. Most recently, Insurance Services Office Inc. (ISO) filed this year data breach exclusion endorsements concerning its standard-form primary and excess/umbrella commercial general liability policies, to be effective next May. http://www.insurancejournal.com/news/national/2013/12/22/315222.htm

According to a 2012 Cyber Claim Study, the most frequently breached sectors are healthcare and financial services. The average cost per breach was $3.7 million, with the majority devoted to legal damages.  http://www.netdiligence.com/files/CyberClaimsStudy-2012sh.pdf

Approximately 25 insurers now offer Cyber insurance, and all these carriers offer coverage for both first-party and third-party losses. – See more at http://www.mcguirewoods.com/Client-Resources/Alerts/2013/10/Buyers-Guide-to-Cyber-Insurance.aspx#sthash.QnTC8PE9.dpuf

PUBLIC INSURANCE ADJUSTERS
NO RECOVERY, NO FEE

Public Insurance Adjusters are the only type of insurance claims adjusters who can legally represent the rights of an insured during an insurance claim process.

Insurance Claim Recovery Support (ICRS) is a leading licensed public insurance adjusting firm that specializes in documenting, negotiating and settling large commercial property losses solely on the behalf of YOU, the insured policyholder (property owners, managers, and lenders) not the insurance company.

Insurance Claim Delayed, Denied or Underpaid?
Don’t Take Chances, Know your claim options and rights

We exclusively represent the policyholder’s interests, NOT the insurance company.  You gain the competitive advantage of having a claim advocate who levels the playing field with your insurance company RISK FREE!

Property owners and managers receive a great deal of value and several advantages by employing a public insurance adjuster to represent your interests when you suffer a loss that your insurance company probably won’t tell you about, including…

– Reduce time and stress dealing with your insurance claim
– Assurance your claim file is well documented, comprehensive and timely “pro-policyholder”.
– We estimate the full scope of your damage for maximum recovery allowable under your policy coverage.
– Any areas of your policy “open to interpretation” will be negotiated “pro-policy holder”.
– You get a claim advocate to help guide you through your policyholder rights.
– You get the maximum settlement you deserve in the shortest amount of time.
– We provide the knowledge and expert resources you need to get the fair settlement you deserve.
– We eliminate the burden, time and stress of you having to deal with your insurance company
– You have nothing to lose and everything to gain with our “No Risk Offer – No Recovery, No Fee

What is a public insurance adjuster?

Fact: It is up to you, the insured, to present your claim to the insurance company to settle.  They have their teams of experts, shouldn’t you have yours?  Documentation and policy interpretation by a licensed expert engaged as your advocate is the key to successful claim recovery.

The insurance settlement process can be complex and can wear out even the most vigilant policy owners.  In many cases, if you aren’t represented by a licensed public insurance adjuster or have light documentation in your claim file, you could settle for much less than you may rightfully be entitled and the process could take longer time during a period when time is of the essence in your financial recovery.

Avoid Insurance Claim Underpayment, Denial and Recovery Delays!

ARE YOU FRUSTRATED AND WONDERING???

  • Who can help me with an insurance claim?
  • What is a public adjuster?
  • Where can I get a 2nd opinion on my current or old claim?
  • When will my claim settle?
  • Why am I not getting results on my own?
  • Can I have my property inspected for damage at no charge?
  • Am I over or underinsured with my current insurance policy?

>> GET THE ANSWERS YOU NEED CLICK HERE NOW<<

Fighting to Recover Your Damages

  • No hidden surprises.
  • No out of pocket expenses.
  • Our fees are paid on the performance of the claim.

    100% No Risk Offer
    NO RECOVERY, NO FEE

We are your greatest advocate in the worst of times
Call Now 855-203-2226

Austin | Bastrop | Waco | San Marcos | Corpus Christi | South Padre | McAllen | San Antonio | Dallas | Ft. Worth | Irving | Galveston | Houston, Texas
Oklahoma City | Tulsa | Enid, Oklahoma
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Apartment Association of Greater Dallas owners and management companies in the process of dealing with insurance claims in the aftermath of hail and windstorms in the Dallas/Fort Worth area may choose to work with a public insurance adjuster.

>>READ ARTICLE FROM ROOFLINES MAGAZINE<<

Kudos to the Texas Department of Insurance (TDI) Commissioner for issuing bulletin B-0017-12. Insurers, agents, adjusters, and consumers are urged to report contractors, roofing companies, individuals and entities not licensed by TDI for advertising or performing acts that require them to hold a public insurance adjuster license to the TDI Fraud Unit (1-800-252-3439) The Insurance Code provides for both civil and criminal penalties for violating this licensing requirement as unlicensed persons are not permitted to negotiate insurance claims or perform the acts of a public insurance adjuster.

Fight Bad Faith Insurance Companies (FBIC) RANKING 100*

Ranking of 100 Best and Worst Insurance Companies
Ranking Of Group Insurers Claims Payment Practices *

(Compiled from 3693 insurance companies comprising 655 insurer groups)

WASHINGTON — Unlike many other businesses, the insurance industry is bound by law to act in good faith with its customers. Because of their protective role in the lives of ordinary citizens, insurers have long operated as semi-public trusts. But since the mid-1990s, a new profit-hungry model, combined with weak regulation, has upended that ancient social contract.

“Claims has been converted into a money-making process,” said Russ Roberts, a New Mexico-based management consultant and former business professor at Northwestern University who has studied the insurance industry’s evolution from a service business to a profit-driven machine.

The change started when consulting giant McKinsey & Company sold Allstate and other leading insurance companies on a new system to boost the bottom line: Rather than adjusting claims the traditional way, which gave claims managers wide latitude to serve customers, insurers embraced a computer-driven method that produced purposefully low offers to claimants. Read Entire Article

“There are some critical steps to take now to ensure that your damage is properly documented and covered as part of your fire damage claim,” said Scott Friedson a Texas licensed Public Insurance Adjuster, owner of Insurance Claim Recovery Support and resident of Lakeway, Texas.. “Not taking the proper steps to protect key information could result in a lower, or even a denied, insurance claim.”

Here are 10 key tips Fire Insurance Claim victims can use as a checklist…