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How to Pick the Right Public Adjuster

The right public adjuster should:

  1. Be properly licensed in by the Illinois Department of Insurance; visit their site here
  2. Be a member in good standing with Illinois Public Adjuster Association
  3. Confirm that the adjusting contract you are asked to signed has been “Approved“ by the Illinois Department of Insurance; do not sign if they cannot demonstrate the contract is approved
  4. Can display a bond in the minimum amount of $20,000
  5. Can demonstrate they have at least 10 years experience, especially for any loss over $100,000
  6. Possess knowledge of the appraisal process and can document successful appraisals; this is different than simply adjusting the loss – appraisal is the next step to achieving a greater settlement
  7. Possess knowledge of local contractors, repair and remediation prices, building codes, etc.
  8. Be well-acquainted with your insurance company – its top adjusters and claims handling policies
  9. Be accredited with the Better Business Bureau with an A+ Rating and at least two positive reviews
  10. Be free of any criminal background issues
  11. Be free of IRS liens for a minimum of 10 years
  12. Not engage in unprofessional sales techniques such as speaking to you or attempting to have you sign a contract while the fire department is at the property or shortly thereafter; it is illegal for a public adjuster to solicit you during evening hours or while the fire department is engaged at the fire
  13. Provide references from satisfied customers