Insured-Loss Consulting for:
Licensed Public Adjuster in:
Rob Rich & Associates, LLC
Loss Management Group
Lifting the insured from the ashes since 1978
Questions? Call us at (602) 292-2729 or email firstname.lastname@example.org.
A Message From Rob Rich
“Buyer beware” has never been a more appropriate saying now that you have experienced a loss to your home or business. As you enter this maze of legalese, loss settlement, and contracting information, you will need help.
During the next few days, representatives from Fire Repair Contracting companies, Insurance Loss Consulting companies and Public Insurance Adjusting firms, (such as mine), will be asking to assist you with your insurance claim. You will want to select the company that will work to protect your interests and do what is best for you. After all, your insurance company is already protecting their interests through their own adjuster. How do you know what is best to do? How do you decide which firm you should retain?
Here are some suggestions
Listen to what the representative of various firms have to say. At least you will gain some education, but beware of those who promise too much.
Public Adjusters come in all manner of experience, industry credibility, and professionalism. Beware of firms boasting “National Affiliation” and of handling huge claims. While these adjustments may seem impressive, do they relate to your situation? In addition, it is unlikely that the salesperson who visits you had anything to do with them.
Having to approach someone at the scene of a devastating loss to their home or business is not the best way to meet potential clients. It is however, the only way to let you know what your options are. Representatives who visit you can be providers of valuable information and should be helpful, not pushy. Be concerned with sales people who belittle firms or individuals who offer the same service or try to make you believe that you must contract with their firm right now.
While it is essential to have representation, a day or two of delay will not hurt your claim. In most cases, the salesperson that solicits your business will not be handling your claim. Before you sign a contract, ask to meet the adjuster who will represent your interests. You will quickly know if this adjuster is right for you.
Beware of contractors sent by your insurance company or who show up on their own and want you to sign a contract or work authorization to begin the repairs or remove your belongings. It is important to comply with your policy, but there is no need to rush into something that may cost you thousands of dollars and cause you regret later. Personally, I am not in favor of hiring contractors sent by the insurance company (although there are some fine contractors that work for insurance companies). I believe a contractor brought by an insurance company is working only for the insurance company and not for you! That situation is not in your best interest.
Bigger is not necessarily better. Some of the largest public-adjusting firms are no different from insurance companies; the client is just another file to open and close.
I formed RR&A after having worked for some of these large public adjusting firms so that I could give focused attention to each one of my clients. I can say with satisfaction that the majority of my clients have not only become good references, but good friends as well.
I hope you will allow me the opportunity to place you in that group as well.
Robert G. Rich
Never a charge for a consultation