FREQUENTLY ASKED QUESTIONS QUESTIONS

  • Q What Is A Public Adjuster?A public adjuster is licensed, educated and trained in the policy coverage and state regulations and statutes that guide claims handling the entitlements of the policyholder in first party property damage claims. Public adjusters work exclusively for the insured in an effort to achieve a full financial recovery. Public adjusters, also known as PA's are required to pass stringent certification examinations and attain surety bonds before the Department of Insurance will grant a license. Many states also dictate continuing education requirements be met to maintain licensing. Public Adjusters and attorneys are the only professions allowed by law to represent the insured.
  • Q Why Should I Retain A Public Adjuster?A Public Adjuster works on your behalf to maximize your property damage claim and your settlement for damages. Public Adjusters know the insurance process inside and out, so they can minimize the hassle that comes with collecting documents and evidence, and then negotiating with the insurance company. The adjuster will file all your pertinent paperwork with the insurance company, arrange for the inspections of your damaged property if needed, and then haggle with the insurance company if it refuses to pay your full claim.
  • Q What Is the Cost To Retain The Services of Dolphin Public Adjusters?There are no upfront costs. Dolphin Public Adjusters takes a small percentage of the final settlement. We don't get paid until you get paid. It is in everyone's best interest that your claim gets settled quickly, for the maximum amount possible, under the terms of your policy.
  • Q How Does A Public Adjuster Determine the Insured’s Actual Loss?A Public Adjuster will will take physical inventory, obtain all pertinent appraisals, and confirm that all provisions of the insured's policy have been considered. The process involves numerous steps that the inexperienced insured is aware and these steps will significantly impact the final settlement.
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