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WHAT’S THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND AN INSURANCE COMPANY’S ADJUSTER?
 

A public adjuster is employed by the property owner and works solely on their behalf. The insurance company’s adjuster works for the insurance company.

ARE PUBLIC ADJUSTERS TRAINED SPECIALISTS?
 

Yes! Public adjusters are trained, licensed and bonded by the state. Your public adjuster is also required to participate in continuing education courses to maintain awareness of industry changes and standards.

WHY DO I NEED A PUBLIC ADJUSTER?
 

Most insurance policies are complicated. Therefore, having an expert who understands your individual policy is to your advantage. There are many provisions and endorsements that may be modified by state laws and statutes over the course of the life of your policy. SunStar is staffed with highly trained professionals whose primary service is to know your policy.
Among the many benefits you will receive from hiring a public adjuster, perhaps the most important is that they will prepare an estimate reflecting current market pricing and negotiate with the insurance company to achieve the most equitable settlement you are entitled to.

IF I HIRE A PUBLIC ADJUSTER WILL I LOSE MY INSURANCE COVERAGE?
 

No. The States' Department of Insurance has laws that prohibit this type of action. It is your right as the insured to hire a licensed public adjuster to assist you in your time of need.

MY INSURANCE COMPANY HAS SENT ME A CHECK BUT IT DOES NOT COVER MY TOTAL DAMAGES. WHAT CAN I DO?
 

You are entitled to the maximum amount allowed by your policy. If the payment will not cover the damages, SunStar will file a supplemental claim to recover the full amount you’re rightfully due.

WILL MY INSURANCE COMPANY RAISE MY RATES IF I HIRE A PUBLIC ADJUSTER?
 

No! The Department of Insurance prohibits your insurance company from taking any adverse actions when you choose to utilize your right to representation in your insurance claim. What’s more, the adjusters at SunStar have established long-term, professional relationships with many of your insurance companies adjusters and the insurance companies themselves. This cordial working environment helps the claims process move smoother, more efficiently and always to your advantage.

MYTHS

Myth #9: My claim is settled because my insurance company sent me a check, even if it doesn't cover all my expenses.