What is a Public Insurance Adjuster?
There are three types of insurance adjusters licensed by the State of California:

> Company Adjuster - is employed by the Insurance Company to represent the company in dealing with your loss and damages. The primary responsibility of Company Adjusters is to protect the interests of the Insurance Company.
> Independent Adjuster - is hired by the Insurance Company to represent the company in dealing with your loss and damages. The main duty of Independent Adjusters is to protect the interests of the Insurance Company.
> Public Adjuster - A Public Insurance Adjuster is the only professional specifically licensed by the State of California to represent the Insured. It is the Public Adjuster's responsibility to process the claim and support the insured's interests when filing a loss with the Insurance Company.

What is a PCAPIA Public Insurance Adjuster?
Members of the Pacific Coast Association of Public Insurance Adjusters adhere to a strict Code of Conduct and Ethics and are able to take advantage of the best professional knowledge, experience and continuing education in the country. Additionally, PCAPIA members have a broad network of resources to assist you in handling your insurance claim. 

Can I prepare my own claim?
Yes, you can. Be prepared to document all aspects of your loss and follow through with representatives of the insurance company. However, if your loss is significant (more than $20,000) you should consider hiring your own expert. A Public Insurance Adjuster will ensure that you receive your full entitlements. 

Why should I hire a PCAPIA Public Insurance Adjuster to get what is rightfully mine?
Many people have difficulty understanding the technical language of an insurance policy and the complicated procedures they must follow to comply with the policy's terms. This problem is magnified when you have suffered a loss and may be emotional about the situation. That is a perfect time to have an experienced professional on your side whose sole responsibility in the matter is to serve you, the Insured. The insurance company certainly has someone working for them.

How much do Public Insurance Adjusters charge for their services?
Public Insurance Adjusters charge a percentage of the settlement. They are not paid until you are. There are no upfront fees for their services. Percentages may vary from adjuster to adjuster, so it is best to shop for the best Public Insurance Adjuster for you.

Are Public Insurance Adjusters trained specialists?
Your PCAPIA Public Insurance Adjuster is tested, licensed, bonded, and authorizes to practice the profession. By attending association sponsored conferences, PCAPIA  members continue their professional education to keep current with the ever-changing insurance industry. They received notifications from the Department of Insurances of their respective states, subscribe to insurance related publications and websites, and access other resources that bring them routinely up-to-date. 

Are Public Insurance Adjusters affiliated with Insurance Companies?
No, they are not. Their services are available only to the insured public, not the insurance company.

What should I consider when hiring a Public Insurance Adjuster?

License:  Make sure their license is current. Some individuals have misrepresented themselves as a Public Insurance Adjuster.

Experience:  Public Insurance Adjusters come from a wide range of backgrounds. See if who you are considering has the right mix for you.

Professionalism:  Do not sign blank contracts. A professional Public Insurance Adjuster will explain the fee structure up-front so you understand why and what you are paying for.

Comfort Level:  This intangible may be quite important if your claim is complex or extensive. This individual will be helping you through a very traumatic period and resolving the claim could take some time. Be sure to find someone who fits your needs and suits your nature.