When dealing with an insurance claim, you may come across two types of adjusters. You’ll see an insurance adjuster and a public adjuster in New Jersey. Insurance adjusters work for the insurance company, trying to minimize the payout of claims to protect the insurer’s financial interests. Public adjusters, on the other hand, work for you, the policyholder. They represent your interests, making sure you receive the maximum compensation for your claim. 

If you are facing damage claims due to structural failures or any other reason, Stone Building Solutions’ public adjusters in New Jersey are ready to assist you. Check out this Q&A to see what we can do.

What Does It Cost to Hire a Public Adjuster in New Jersey?

Stone Building Solutions charges a fee of 10-20% of the payments received, depending on the specifics of the loss. Things that can affect our percentage include how quickly we are involved, any advanced contingency costs for the firm, and the client’s decisiveness. This fee structure sees to it that our compensation is aligned with your success.

What Should I Consider When Hiring a Public Adjuster?

When hiring a public adjuster, think about these several critical aspects:

  • Industry Longevity: Experience is important in dealing with complex claims.
  • References and Reviews: Look for positive feedback from past clients.
  • Memberships: Affiliations with associations like the National Association of Public Insurance Adjusters (NAPIA) indicate credibility.
  • Industry Awards: Recognitions can signal excellence.
  • Experience with Similar Losses: Make sure the adjuster has handled claims similar to yours.
  • Staff and Resources: A firm with W-2 employees and the ability to front expert costs is preferable.
  • Insurance and Licensing: Verify up-to-date company licenses and compliance.
  • Trust and Collaboration: Personal rapport is highly recommended for effective cooperation.

How Does a Public Adjuster Get Paid?

We work on a contingency basis, meaning we get paid only as you receive your payments. This arrangement means that our interests are fully aligned with yours, focusing on maximizing your claim’s outcome.

My Carrier Told Me the Claim Is Under the Deductible – Can You Still Help Me?

Absolutely. We have successfully taken claims that insurers initially deemed under the deductible to tens of millions of dollars. Always get a second opinion. Contact our office for a free claim review and let us evaluate the potential of your claim.

Should I Wait and See What the Carrier Pays Me First?

The sooner we get involved, the better. Accurately identifying all damages from the beginning is imperative. Statutory limits exist on the time you have to add damages to your claim. Setting up a free claim review with us can provide valuable insights and potentially save you a lot of hassle and money.

What Types of Claims Do You Represent?

Stone Building Solutions specializes in government, commercial, condo, and large loss claims, including planes, business property, luxury boats, and loss of income. Although we are a boutique firm focused on top talent, we can refer homeowners to trusted sources and remain a resource for all types of claims. Get us involved now!

When Do You Call a Public Adjuster?

Contact us before you file a claim. Our preliminary advice can often prevent unnecessary filings, like cases with no coverage or minimal damages. If you have a valid claim, we make sure all damages are reported upfront, preventing issues with late reporting and boosting the claim’s integrity.

Is It Too Late to Get Help If the Insurance Carrier Closed My Claim?

Even if your claim is closed, it’s not necessarily too late. Carriers can reopen claims if new information is presented. The time to submit your claim varies from state to state. 

Your Trusted Partner in Insurance Claims

Working through the complexities of insurance claims, especially involving structural failures and significant damage, requires expertise and dedication. Stone Building Solutions’ public adjusters in New Jersey are committed to maximizing your claim, seeing to it you receive the compensation you deserve.

Don’t hesitate to reach out for a free claim review and see how we can assist you through every step of the process. Call 407-663-5312 or email us at info@stonebldg.com for assistance.