Lesser and Company Q & A:
Q: WHAT IS A PUBLIC ADJUSTER AND HOW ARE THEY DIFFERENT FROM MY INSURANCE COMPANY’S ADJUSTER?
A: A public adjuster or public insurance adjuster is an expert on loss adjustments hired by you to prepare, file and negotiate your claim. LESSER AND COMPANY works only for you – not the insurance company. We can advise and assist you in the preparation of inventories, estimates, and proofs of loss; we can ensure that all the necessary details, as required by the terms of your insurance policy, are met; we will also mediate between you and the insurance company to make sure you get the best settlement possible.
Q: WHY DO I NEED A PUBLIC ADJUSTER TO PREPARE MY CLAIM?
A: Unlike the average insured, who may deal with as little as one claim in a lifetime, LESSER AND COMPANY have years of training and experience in dealing with insurance companies. They can assure you of professional, competent results at each step – from filing complicated claims and forms to negotiating on your behalf for the best settlement possible.
Q: WHAT SPECIAL QUALIFICATIONS DOES A PUBLIC INSURANCE ADJUSTER HAVE THAT I DON’T?
A: The average insurance policy contains as many as 2,500 lines of terms and conditions and 300 lines of text that you must comply with – correctly – simply to get a settlement. Most people can’t keep up with the constantly changing terms and conditions involved in the average claim. Only a professional Public Adjuster like LESSER AND COMPANY can make sure you get the best coverage you are entitled to – from helping you meet the requirements of your insurance company to receive the best settlement, to helping you prove your loss – a time consuming and exhausting enterprise no one should deal with on their own. The professional expertise and knowledge of technical questions of LESSER AND COMPANY can save you hundreds of hours of work and worry.
Q: WHAT ABOUT MY INSURANCE AGENT OR BROKER? DON’T AGENTS ACT ON MY BEHALF?
A: No. While this is a common misconception, your insurance agent or broker’s responsibility is only to place your insurance coverage. They do not have the claims handling expertise, experience, or personnel necessary to assist you the way LESSER AND COMPANY can.
Q: WHAT, EXACTLY, ARE THE RESPONSIBILITIES OF LESSER AND COMPANY?
A: As a Public Adjuster, LESSER AND COMPANY will cover every step of preparation, presentation, and settlement of your claim.
Q: HOW ABOUT THE INSURANCE COMPANY? WILL THEY BE BIASED AGAINST ME FOR HIRING A PUBLIC ADJUSTER, OR WILL THEY RECOGNIZE LESSER AND COMPANY AS MY REPRESENTATIVE?
A: Not surprisingly, most insurance companies actually prefer to work with an experienced public adjuster, rather than a private individual who is not aware of the “rules of the game”.
Q: HOW WILL LESSER AND COMPANY DETERMINE THE ACTUAL LOSS?
A: We will take physical inventories, prepare building estimate and we’ll even compute your business interruption losses – expertly. These are important steps in the insurance claim process, and can make a huge impact on the final amount of the settlement. It is of crucial importance to record everything minutely and faithfully, to ensure fair settlement.
Q: WHAT KIND OF PEOPLE EMPLOY LESSER AND COMPANY?
A: Attorneys, CPA’s, banks, businesses, and of course homeowners – anyone who values the specialized skills that a Public Insurance Adjuster can bring to an insurance claim.
Q: WILL HIRING A PUBLIC ADJUSTER BE JUST AN ADDED EXPENSE I CAN’T AFFORD?
A: Absolutely not. LESSER AND COMPANY charges surprisingly little, considering the advantages to you – only a small percentage of the insurance company’s settlement . In fact, you may actually be saving money by hiring LESSER AND COMPANY – by assuring you of the best settlement possible, the cost of hiring a Public Adjuster might be actually less than that of receiving an inadequate settlement.
Q: WILL HIRING LESSER AND COMPANY GET ME A MORE PROMPT AND SATISFACTORY SETTLEMENT?
A: Yes – hiring LESSER AND COMPANY will assure you of getting the prompt service necessary to file an effective claim, which sometimes depends on obtaining valuable evidence before it is destroyed. The better your claim is filed, the faster you will get the settlement you want.