Your first thought is to contact your insurance agent, who will then report the loss to your insurance company. Your first thought is correct. You are required under your insurance policy to provide immediate notice of loss to your insurance company.

Your second thought is to await contact from your insurance company's claims personnel, to assess your loss and instruct you on how you and the company will proceed. It seems logical, however that response would be totally incorrect. After all you wouldn't wait for an attorney hired by the person who caused your bodily injury loss to advise you and assist you in assessing and collecting on your bodily injury loss. Then why in the world would you wait for the insurance company's personnel to advise you of your rights, or rely on them to properly assess your loss and damage? In most bodily injury cases you wouldn't even consider speaking to anyone else until you have first consulted with your attorney, even when only a few thousand dollars may be involved. Wouldn't you want that same protection in a property loss, from the foremost experts in the field, a Public Insurance Adjuster, when the loss may involve several thousands of dollars? The insurance company's claim personnel are hired by the insurance company to solely represent and protect the interest of the insurance company, not yours. Shouldn't you also have that same expert protection? Certainly!

Now I know what your thinking. You have paid insurance premiums for years and have never claimed a loss, so now you believe the insurance company should pay your claim fairly, equitably and in a timely fashion. In a perfect world this may be true, however as you know we do not live in a perfect world. The insurance company's claim personnel will not take into consideration your many years of loyalty. The company's claims adjusters and experts solely represent the interest of your insurance company when advising or assessing your loss and damage. This is why it is necessary for you to also have that same exclusive representation by your qualified expert, your, Public Adjuster. As you all know insurance is big business, and big settlements equal big losses for an insurance company, so you could only imagine their incentive to mitigate your loss settlement.

The correct response to the above is that you should first consult with a Public Adjuster. They will advise you on policy coverage, your duties to the insurance company and your insurance company's responsibilities to you. They will also fully explain the advantages in retaining their services, as an authority on loss adjustment, to assist you in preparing, filing and adjusting your insurance claim.
A Public Adjuster is an individual who is licensed and bonded with the State Department of Insurance and has met the high criteria established by the Department of Insurance through eligibility through examination, experience, training, or instruction concerning the adjusting of damages or losses under insurance contracts. The professional public adjuster has the knowledge of fire, heat, smoke, water, mold, wind and other types of damage, including "Hidden Damage". Public Adjusters use highly skilled insurance experts with vast knowledge of Insurance Policies, Co-Insurance, Replacement Cost, Depreciation, Inventory, Current Building Repair and Replacement. They also have the latest in construction knowledge and value analysis information, depreciation and other elements, to expertly develop an insurance claim.

Public Loss Consultants is devoted to ensuring that you, the client, receive a timely, maximum recovery, for all facets of your loss. First by interpretation of policy coverage and applying coverage to all facets of your claim, second by preparing and timely filing highly detailed assessments of your loss and damage. Finally by meeting and negotiating with insurance company personnel and experts to conclude your claim.

How does Public Loss Consultants charge a fee? A small percentage of what you, the insured receives in settlement. By seeking to maximize your settlement, your professional public adjuster's services can save you the cost of their fees, at the very least.