Five Tips for Getting the Most from Your Insurance Claim
- Understand the basics
- Assess wind versus water damage
- Sort and document
- Hire a public adjuster
- Don't give up
Welcome to the National Association of Public Insurance Adjusters - NAPIA!
Click here to find a Public Insurance Adjuster in your state.
Members save with the new E&O Insurance Program! Click here for details.
Click here to view the latest NAPIA Bulletin (newsletter).
For more than 60 years, NAPIA members throughout the United States have joined together for the purpose of professional education, certification, legal & legislative representation, scholarship & research, marketing opportunities, and promotion of the public adjusting profession.
Join at the Public Adjuster Promotional Program Rate!
The Association gives public insurance adjusters an edge by providing members with the information, tools, and opportunities that allow them to succeed professionally, including members-only networking events, discounted rates for conferences and seminars, use of the association’s highly respected logo, a company listing on the NAPIA website, advertising discounts, frequent legal and legislative updates and access to online forums with other members (click on Membership Information / Membership Applications)
For a limited time, NAPIA is offering a promotional discount that allows public insurance adjusters to join for only a fraction of the standard membership fee -- click here for details.
How Can a Public Adjuster Help Property Owners?
Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.
What Types of Claims Can a Public Adjuster Help With?
A sampling of the types of residential or business losses a Public Adjuster can assist with include:
Often, physical damage loss can trigger additional losses for businesses. Among the business insurance forms a Public Adjuster will assist with are:
Why Does a Property Owner Need a Public Adjuster?
A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.
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