What is a Public Insurance Claims Adjuster?

What is a Public Insurance Claims Adjuster?

Public Claims Insurance Adjusters represent the insurance policy holder. Our job is to walk the insurance policy holder through the entire claims process. The misconception in the public is that when they have incurred damage, they call the insurance company to file a claim, a settlement check is sent and the case is closed. Since you send the insurance company a check every month to cover your premiums, there is no reason that the insurance company should fail to offer remittance in your time of need right? Wrong! The insurance policy that you have is full of exemptions, exceptions, exclusions, and all kinds of stipulations that your carrier will attempt to use to get out of offering you the settlement that you are entitled to. Best case scenario is they will underpay you for your claim, worst case scenario is an outright denial.

A Public Insurance Claims Adjuster will navigate the entire claims process for you. We will walk you through every step of the process. We will explain what is and what is not covered by your policy. We will deal in a professional manner and ensure that you are in the best possible position to recover the necessary funds to repair any damage that you have incurred. When you hire a Public Insurance Claims Adjuster, we have one goal in mind, and that is to ensure that your claim is handled with the utmost care and that we are able to recover enough funds to make any necessary repairs to your damaged home, business, or personal property.

A Public Insurance Claims Adjuster will gather all of the necessary documentation required to process your claim. We will document the damages, create an estimate, and submit a full and detailed report to your insurance carrier. A Public Insurance Claims Adjuster will use their knowledge of the laws governing the insurance industry, as well as extensive experience in navigating successful settlements to your benefit. A Public Insurance Claims Adjuster will take any and all necessary steps to ensure that you receive exactly what you are entitled to.

When Should You Call A Claims Adjuster?

You should consult a Public Insurance Claims Adjuster as soon as you recognize any damage to your home, business, or personal property that is the result of any of the following:

  • Water Damage

  • Wind / Hurricane Damage

  • Flood Damage

  • Mold

  • Fire Damage

  • AC and Appliance Leaks

  • Sewage Backup and other Plumbing related issues

  • Damage from Natural Disasters; Tornado, Hail, Lightning, Sinkhole, etc.

Please note that catastrophic damage is not the only thing that warrants filing a claim with your insurance carrier. Sometimes what appears to be minor damage or a small repairs often times can wind up being very costly.

What is the Cost of Using a Public Insurance Claims Adjuster?

TopLine Claims Services Adjusters work strictly on a contingency basis. This means that we do not receive any form of compensation until your claims has been successfully won and a check has been issued by your insurance carrier. If we fail in any way to win your case, meaning we do not successfully receive compensation for your claim, we do not get paid a dime. If and when we are successfull in winning your claim, the money we are paid comes out of the amount recovered in your settlement.

Please understand that when you employ a Public Insurance Claims Adjuster, the likelihood of you receiving enough compensation to make any necessary repairs to your damaged home, office, or personal property is significantly increased. In the vast majority of claims we handle, we are able to ensure that there is enough money to not only cover all of your damage, but to cover our fee as well.

Studies have shown over and over again that claims filed using a Public Insurance Claims Adjuster will net you, the policyholder, up to 747% more than if you filed the claim without the help of a licensed professional. Don’t take our word for it, research this for yourself. You can start here:

http://www.oppaga.state.fl.us/monitordocs/reports/pdf/1006rpt.pdf

A Public Insurance Claims Adjuster works a lot like an attorney. In most circumstances, especially in civil trials, an attorney will receive compensation from the proceeds of a successful settlement. A TopLine Claims Services Agent functions in much the same way. We only get paid when you do.

What Should I Expect When I Call a TopLine Claims Services Adjuster?

When you first call TopLine Claims Services, you will speak directly to one of our licensed agents. We will have a quick discussion with you to determine what type of damage you have incurred. From there we will come to your property to inspect and document the damage. If you have not yet filed a claim with you insurance carrier, your TopLine Claim Services Agent will walk you through the claims process and work to gather all of the necessary documentation that will be used to prove your claim.

If your claim has already been filed, your TopLine Claims Services Agent will begin the process of communicating with your insurance carrier on your behalf to find out what steps have been taken to settle your claim.

If you have already filed a claim and been denied or underpaid, we can still help! If you have filed a claim and are not satisfied with the outcome, your TopLine Claims Services Agent will start the process of re-opening your claim and re-negotiating a settlement on your behalf.


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Nicholas John Komoniewski - License #P106747

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