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Roles & Responsibilities A Public Adjuster Has Toward Clients & Claims

Roles & Responsibilities A Public Adjuster Has Toward Clients & Claims

Can a public adjuster perform general contracting services? Do I really need an insurance restoration specialist for my Vernon Hills property insurance claims? What does "public adjuster" mean, anyway? If you've got questions, we've got the answers at TPC Public Adjusters.

General Contracting

In Illinois, a public adjuster can also act as a general contractor for insurance restoration services. This allows for the creation of a fair and accurately estimated scope of work, then they can recommend their own general contracting company or affiliated contractor to handle repairs for roofing, siding, gutters, and other damaged structures.

This does not mean that if you use a public adjuster to help with your insurance claim you're required to use their recommended contractor. You can choose your own contractor to perform the work, but the public adjuster will still be paid from your insurance claim.

Benefits Of Using An Insurance Restoration Professional

An insurance restoration professional can assist you with the insurance claims process every step of the way - from inspections and emergency repairs to filing and negotiating your claim to general contracting to make needed repairs to your home or business. Why should you use an insurance restoration specialist?

  • They work for you and will look out for your interests, not the interests of the insurance company
  • Maximizing the amount of money you'll receive for your claim and minimizing your out-of-pocket expenses
  • Removing emotions from the settlement process, which reduces mistakes or making rushed decisions during a stressful time
  • Understanding policy language, Illinois insurance laws, and general contracting helps your public adjuster get you the compensation you deserve
  • In many cases, public adjusters work on a contingency basis, which means you don't have to pay upfront for services because payment is made from the settlement

To request insurance restoration and general contracting services in Vernon Hills and the surrounding Chicagoland areas, call the experts at TPC Public Adjusters today at 847-877-6275!

What Is A Public Adjuster?

According to the Illinois General Assembly Statutes, a "public adjuster" means "any person who, for compensation or any other thing of value on behalf of the insured:

  • (i) acts or aids, solely in relation to first-party claims arising under insurance contracts that insure the real or personal property of the insured, on behalf of an insured in adjusting a claim for loss or damage covered by an insurance contract;
  • (ii) advertises for employment as a public adjuster of insurance claims or solicits business or represents himself or herself to the public as a public adjuster of first-party insurance claims for losses or damages arising out of policies of insurance that insure real or personal property; or
  • (iii) directly or indirectly solicits business, investigates or adjusts losses, or advises an insured about first-party claims for losses or damages arising out of policies of insurance that insure real or personal property for another person engaged in the business of adjusting losses or damages covered by an insurance policy for the insured."

The Illinois Department of Insurance adds: "A 'public adjuster' does not work for any insurance company, is not a public employee, and does not work on behalf of the State of Illinois, the Department of Insurance, or any other public agency. They work for you to assist in the preparation, presentation, and settlement of your claim. You hire a public adjuster by signing a contract agreeing to pay a fee or commission based on a percentage of your settlement, or other method of compensation. "

Vernon Hills' Trusted Insurance Restoration Professional

TPC Public Adjusters is the local public adjuster and insurance restoration professional you can count on to help you navigate the complex residential and commercial insurance claims process for your Vernon Hills property. Our goal is to help the Chicagoland community by donating a percentage of every insurance-related job we complete to a charitable organization - you choose the charity, we write the check.

To request public adjusting, general contracting, or insurance restoration for Vernon Hills and the surrounding areas, give us a call today at 847-877-6275.

Get the Best Help From TPC Public Adjusters in Vernon Hills & Surrounding Areas