IPAA

Illinois Public Adjusters Association
“Dedicated to Professionalism”

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Solutions to Public Adjusters Quiz

  1. A Public Insurance Adjuster represents the rights of whom?
    • The Insurance Company
    • The Government
    • The Insured
    • The Insurance Agent

    That’s right, Public Insurance Adjusters represent you.

  2. The duties of a Public Insurance Adjuster are:
    • Appraise the Damage
    • Prepare the Estimate
    • Negotiate with the Insurance Company Adjuster
    • All of the Above

    The duties of a Public Adjuster are to:

    • Evaluate existing insurance policies in order to determine what coverage may be applicable to a claim.
    • Research, detail and substantiate damage to buildings and contents and any additional expenses.
    • Evaluate business interruption losses and extra expense claims for businesses.
    • Determine values for settling covered damages.
    • Prepare, document and support the claim on behalf of the insured.
    • Negotiate a settlement with the insurance company on behalf of the insured.
    • Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled.
  3. True or False: You will need to pay your Public Insurance Adjuster up front?
    • True
    • False

    There is no need to pay your Public Adjuster up front, they charge a percentage of the insurance company’s settlement.

  4. True or False? A restoration company can do the exact same thing as an Adjustment Company.
    • True
    • False

    Only a licensed public adjuster can assist you in preparing, filing and adjusting your insurance claim. Licensed Public Adjusters are regulated by the Department of Insurance, restoration companies are neither licensed, nor regulated.

  5. True or False? Some studies have shown that Public Adjusters can help insureds collect up to 747% more than their insurance companies were willing to settle for.
    • True
    • False

    According to a survey conducted by the State of Florida, Public Adjuster claims resulted in a 747% higher settlements for insureds.

  6. True or False? Besides attorneys and the broker of record, Public Adjusters are the only type of claims adjusters who can legally represent the rights of an insured during a property claims process.
    • True
    • False

    Public Adjusters are the only claims adjusters who can represent your rights.

  7. True or False? Any time during negotiations with the insurance company and even after a settlement has been received by an insured, a Public Adjuster may be able to negotiate for a higher amount.
    • True
    • False

    Public Adjusters are able to re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled.

  8. True or False? Public Adjusters only take care of fire loss claims.
    • True
    • False

    Public Adjusters will assist you with any claims of loss against any insurance company including windstorms, snow, hail, smoke, explosions, microbursts, etc.

  9. Which of the following is NOT a duty of a Public Adjuster?
    • Determine Values for Settling Coverage Damages
    • Represent the Rights of the Insurance Company
    • Evaluate Business Interruption Losses
    • Prepare, Document and Support the Claim on Your Behalf

    Public Adjusters represent your rights, NOT the rights of the insurance company.

  10. When it comes to filing an insurance claim, the burden of proof is on whom?
    • You
    • The Fire Department
    • Your Insurance Agent
    • Company Insurance Adjuster

    The burden of proof lies on you. By hiring a Public Adjuster, you can relieve yourself of that burden.