Best Ways and Practices in Finding and Choosing a Public Adjuster The best place when it comes to finding a good public adjuster would be through the National Association of Public Insurance Adjusters. NAPIA can actually provide you with referrals for every state that licenses public adjusters. The Public Insurance Adjuster also is the only type of adjuster to which is qualified in representing insured parties for a property claim. There are currently more than 43 states and it needs to hold the licensure to represent the insured. Professionally trained public insurance adjusters will act as your advocate and is going to help you to navigate the insurance world so you are able to collect the full amount to which is under your policy. However, there are several steps that has to be completed before you will be paid, which is through the process of valuing the loss, presenting insurers and negotiate on a settlement. The insurance policies are complicated and conditional and full payments on a loss is not automatic. Public adjusters will help you to determine coverages and causes of the loss for you to evaluate the offer or denial of the carrier. A Quick Rundown of Options Just after a disaster, fire victims will usually get besieged with inquiries and offers from public adjusters and general contractors as well as from others who are offering assistance. This is just normal. Just because you are being solicited, it doesn't mean that they are doing something that's wrong. You should however be careful and do your research before you sign up for their services. A Brief History of Options It is best if you opt hiring someone that's local. Someone who knows the local housing market and the rebuilding costs and one who understands about the resources of the community and to how to leverage them. Locally based PA must have the necessary experience to working with representatives of insurance firms in the area and is able to cut through different red tape and bureaucracy so you are able to get guarantees that you will get what is owed to you much faster. You need to always make sure that they are members of the NAPIA and holds a professional designation. You must always take your time and do interviews personally and request for at least 5 references. This can be difficult and intimidating first and it's important that you call the references and find out as to what their situation was before. Also have your questions prepared before calling the references that you have gathered. You then need to find out whether they are responsive to your questions and when you hire a public adjuster, you should do so in writing and then understand their fees before signing.