Need To Hire a Private Insurance Adjuster in Long Island and Melville, NY

 It is commonplace to remain protected from financial hardship with insurance coverage. Most individuals and business entities have to pay huge premiums to ensure support from unexpected events that may ruin them financially. Simply filing a claim to get the dues is not enough. There are instances of claims rejected or adjusted with the insurance carrier offering a much-reduced sum than promised. The insurance company will employ many types of financial professionals to go through the claims before informing the customer about the sum they may be paid. Such an expert is known as an insurance claims adjuster in Hauppauge and Long Island, NY, and elsewhere in the country.

There is confusion about the role of such an insurance expert. Many people consider them to be insurance agents trying to hard-sell insurance policies to the general public. This is far from the truth, however. It is essential to check the related facts and be informed about what the claims adjuster does. Handling the following tasks on behalf of an insurance company or in an independent capacity is the primary responsibility of an adjuster:

l Verification of the insurance policy that is in force with the insured individual being the same as the injured person or owner of the damaged property

l Investigation of the extent of property damage and/or personal injury due to the accident

l Collecting evidence and information related to the case resulted in the claim. This includes scrutinizing police reports and checking all witness statements

l Investigation of claims that seem questionable

l Consultation with other professionals such as physicians, lawyers, engineers, and/or architects as required

l Compilation of reports detailing the investigation findings

l Negotiation of settlement amount

l Authorizing payments

Most insurance companies have one or several claims adjusters on their payroll. The number may not be sufficient, especially when the number of claims filed during a specific period is too high to warrant close attention from the in-house adjusters. The carriers often hire independent adjusters to handle the load, especially after a natural disaster that results in thousands of claims being filed by the hour.

Finding an insurance adjuster to arrive at the claimant’s doorstep once the claim is filed is the norm. It indicates that the process of settling the claim has been initiated. The insured person needs to cooperate with the insurance adjuster once the identity has been established. The independent adjuster is likely to do the following, thus corroborating/negating the claim:

l Confirm that the claimant has the right type of coverage for the incident

l Creation of an individual claim file for each case

l Speak with everyone involved in the matter to verify the extent of the loss

l Personal inspection of the damage and

l Interviewing every person who had been injured in the incident

l Request reports from public safety officials

l Estimate the cost of settling the claim

Surprisingly, a private insurance adjuster in Long Island and Melville, NY, may work for an insurance company as needed. They may also work independently for the policyholder as a public adjuster.