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What are public insurance adjusters (PAs)?
What kinds of claims do PAs deal with?
Why not just rely on the insurance company's adjuster?
Why do I need a PA to get what’s rightfully due to me?
Why can’t I rely on my Insurance Agent to handle my claim?
How does a PA determine the insured’s actual loss?
Why retain a PA before getting an offer from the insurance company?
Why not simply submit a contractor’s estimate?
How much do PA’s charge for their service?

What are public insurance adjusters (PAs)?
A Public Adjuster is an expert on loss adjustments who can be retained to assist you in preparing, filing and substantiating your insurance claims. Public Adjusters work for the insured, not the insurance company. Each state in New England, and most other states, license Public Adjusters. Back to top.

What kinds of claims do PAs deal with? 
A Public Adjuster will adjust virtually any property damage claim such as fire, windstorm, flood, explosion, ice damage or other insured losses such as inland marine, business interruption, rental income, improvements and betterments, and additional expense. Back to top.

Why not just rely on the insurance company's adjuster?
Insurance company adjusters are trained professionals who represent the interests of the insurance company that employs them. The insured can protect his or her interest by retaining an accredited Public Adjuster. Public Adjusters, with their expertise and knowledge, present a more comprehensive claim on behalf of the insured, obtaining a better settlement than the insured would be able to achieve by himself/herself. Back to top.

Why do I need a PA to get what’s rightfully due to me?
The technical language of an insurance policy and the complicated procedures an insured must follow to comply with the policy’s terms are often complex and confusing. Many important terms are not even defined in the policy. A Public Adjuster gives the insured the advantage of expertise derived from representing thousands of insureds who have faced similar technical problems. A Public Adjuster relieves the insured of time-consuming and difficult issues associated with preparing and filing a claim. The result: a prompt and fair settlement.

Most insurance company representatives prefer to work with an experienced, accredited Public Adjuster. An accredited Public Adjuster must adhere to a strict code of ethics established by the National Association of Public Insurance Adjusters (NAPIA). We are members of NAPIA, the Massachusetts Association of Public Adjusters (MAPIA), the Better Business Bureau and several other associations. Back to top.

Why can’t I rely on my Insurance Agent to handle my claim?
An insurance agent or broker is a representative of the insurance company. They’re not generally trained in the preparation and resolution of a claim. Back to top.

How does a PA determine the insured’s actual loss?
A Public Adjuster will take a physical inventory, obtain all pertinent appraisals, and confirm that all provisions of the insured’s policy have been considered. The process involves numerous steps that the inexperienced insured is unaware of. These steps will significantly impact the final settlement. Back to top.

Why retain a PA before getting an offer from the insurance company?
Insurance companies pay close attention to their bottom line. After an insurance company adjuster has formed his initial impressions of a loss and filed a report to the insurance company, it can be difficult to change that opinion of the loss and obtain a higher settlement. When a Public Adjuster is retained from the start, every potentially thorny issue can be discussed and negotiated without great difficulty. Back to top.

Why not simply submit a contractor’s estimate?
Contractors are usually not insurance experts and policy issues are not usually considered in their bids. Their bids are often low and inadequate for replacement costs because they are trying to remain competitive. Contractors often don’t replace everything that should be allowed under the policy at the comparable quality. Back to top.

How much do PA’s charge for their service?
Public Adjusters work on a contingency basis and are paid a percentage (as specified by each state's insurance commissioner) of the insurance company's payment. This fee is generally more than offset by a significantly higher settlement. Back to top.

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Professional Loss Adjusters, Inc. is a team of experienced Public Adjusters  who work on your behalf to catalog, prepare and support your insurance 
claim. We adjust virtually every kind
of property loss, including buildings, personal property, business interruption, extra expense, loss of rent, and 
additional living expense.

PLA adjusts losses resulting from
any insured cause, including fire, hurricane, windstorm, flood, collapse, theft, or vandalism. Licensed in Connecticut, Florida, Louisiana, Maine,
Massachusetts, Michigan, Minnesota, Mississippi, New Hampshire,
New Jersey, North Carolina, Rhode island, South Carolina, Texas, and Vermont. PLA also has affiliates throughout the United States.