Public Insurance Adjuster Kentucky

If you have sustained water damage, tornado damage, damage from a fire, or any other type of damage claims, you are entitled to compensation for the full amount of your loss. Hope Public Adjusters will negotiate with commercial and residential property insurance companies to get you the total amount of your insurance loss. 

The Duties of a Kentucky Public Adjuster

When you hire a Kentucky public adjuster, they become responsible for itemizing your damages, tabulating their cost, and filing a claim with the insurance companies. Having a public adjuster who works for you is a tremendous advantage as they are the experts who know if the insurance companies are making you a fair offer or not. They can also help you maintain and organize the documentation of your damages and repairs and may even be able to help you locate temporary lodgings if necessary.  Hope Public Adjusters have a reputation for looking out for the best interests of their clients. Because they work for you instead of the insurance company, you can rest assured that they will help you maximize your settlement. 

Kentucky

Insurance Adjuster License

According to the NAPIA (National Association of Public Insurance Adjuster),  most U.S. states require a public adjuster to carry a license. Kentucky is no exception. At Hope Public Adjusters, our public adjusters meet the public adjusters licensing requirements of any state we operate in. As a business that operates in multiple states, Hope’s adjusters often hold several licenses. 

Frequently Asked Questions and Answers from a Kentucky Adjuster

Having extensive experience in the state of Kentucky, we find that these are the questions frequently asked by our clients. If you have a question or concern that does not appear on this list, call us to talk to a Kentucky public adjuster. 

Why should I hire a Kentucky public adjuster?

A licensed Kentucky public adjuster can provide an invaluable service during the claims process when you’ve suffered damage to your property. Unless you work as a general contractor or in a similar profession, you probably have no idea what you should be paid by the insurance company for your damage. A state of Kentucky adjuster is aware of what different repairs cost without looking at an estimate. During the adjusting process, many insurance companies try to state that damage to your property is not covered because it’s outside the policy, from a different event, or is not subject to compensation for other reasons. With the assistance of a licensed public adjuster, you will not be at the mercy of someone who works for the insurer. 

How is a residential public adjuster paid?

At Hope Public Adjusters, we are paid on a contingency basis. This means that you will agree to give us a percentage of your settlement amount. In most cases, our contingency fee is justified in the increase in your settlement amount from what an insurance company would have otherwise paid the client. 

How do I choose a public insurance adjuster?

In addition to looking for an adjuster with a commitment to excellence, you need to be sure that they hold an adjuster license for the state of Kentucky. Also, reviews from satisfied clients are an excellent way to determine whether or not they’ve been able to get their clients the maximum settlement amount for their coverage. Never form an opinion based on superficialities. Do your research. 

Insurance Adjusters in Kentucky

There are four main types of insurance adjusters in Kentucky: staff adjusters, independent adjusters, catastrophe adjusters, and public adjusters. Each adjuster can assess property damage caused by some event and use that information to evaluate the monetary value of the insurance claim

Staff, independent, and catastrophe adjusters all require a similar license, but a Hope licensed public adjuster advocates for policyholders, and therefore, requires a different license. Hope Public Adjusters wants to be the company you turn to when you need help with insurance claims because we have the experience of getting our clients the maximum settlement available. When you need to get fair compensation from the insurance company, working with a team of experienced and proven Kentucky public adjusters can help you move forward with your life with the money you expect.

Types of Kentucky Public Adjusters 

The following are examples of the Kentucky public adjusters you may work with when going through a claim. 

  • Staff Adjusters are insurance adjusters who work for and represent insurance companies. They are subject to certain restrictions while handling insurance claims or damage claims on behalf of the insurer. They may work for either commercial or residential coverage, depending on the type of insurer they work for. 
  • Independent Adjusters work for a third-party company to perform insurance adjuster work and get contracts with insurers to handle their insurance claims instead of an in-house claims adjuster who is an employee of the insurance company. 
  • Catastrophe (CAT) Adjusters are independent claims adjusters and travel to areas affected by a devastating event to provide claims adjuster services during emergencies. After a disaster event, an insurance company can be overwhelmed with claims and may have trouble making a fair settlement for each claim. 
  • Public Adjusters advocate for insurance customers and regular citizens while handling an insurance claim, not seeking a low settlement on behalf of an insurer. Public insurance adjusters require unique licenses in KY before they can handle an insurance claim.
Kentucky City

Licensed Kentucky Claims Adjusters

If you’ve suffered a disaster or accident that has damaged your property, working with a Hope public claims adjuster can help you get full and fair compensation for your damage. Public adjusters collaborate with other professionals, including engineers, interior environmental experts, and water remediation specialists, to ensure that fair compensation is awarded to homeowners, commercial business owners, and others who file a claim with their insurer and expect to be paid fairly. 

Similar to personal injury lawyers, Hope Public Adjusters work on a contingency basis, meaning their fee is a percentage of the total amount of your claim. You don’t have to pay anything to use our company’s adjuster service until after they have secured your claim from the insurance company. Call Hope Public Adjusters to schedule a free, commitment-free consultation.