Why You Need A Public Insurance Adjuster
Documenting and navigating a catastrophic property loss with an insurance company is time-consuming and burdensome to even the most sophisticated insured. It is hard for you, the insured, to know whether you are getting all that is owed under your insurance policy. Your policy may actually give you extended coverages beyond the stated dollar limits on the policy and you may be entitled to more coverage than the insurer offers you.
An experienced claim advocate on your side can be a strong voice for you in the process and give you much more input and negotiating leverage on your final insurance settlement than you’d have on your own. Instead of relying on the insurance company to decide how much you get to rebuild your home or business, hiring a good public adjuster can help you receive the best possible settlement.
Attorney Biller has held his public insurance adjuster license since he was 18 and has represented policyholders through his law firm for over 35 years. He is in a very select category of being a policyholder attorney who is also a licensed public insurance adjuster.
There are two categories of adjusters: those hired by or employed by an insurance company and those hired by policyholders.
Company adjusters are employed by your insurance company. There are also "independent adjusters" who work only for insurance companies and not policyholders
Then there are public insurance adjusters who can legally work only for policyholders. A public insurance adjuster works as the insured policyholder’s advocate to prepare, document and submit a property claim to the insurance company. A public insurance adjuster will negotiate and settle your claim.
Only a licensed public insurance adjuster or an attorney admitted to practice in your state can negotiate and settle a property insurance claim on behalf of an insurer. A contractor, remediation company or anyone else who is not an attorney is not legally allowed to act as a public insurance adjuster.
Think about this: If you were injured due to the fault of another, you would not hesitate to hire an attorney to protect your rights. In comparison, your home or your business may be your most valuable asset. If it were damaged you need a professional who works for you and not for your insurance company. A licensed public insurance adjuster or an attorney experienced in claim handling can:
- interpret your policy;
- advise you concerning your coverage;
- assist in having your damages documented and calculated; and
- help assure you are obtaining the maximum benefits due you under your insurance policy.
Most public insurance adjusters are not attorneys and very few attorneys hold a public insurance adjuster license. Attorney Biller has held his public insurance adjuster license since he was 1978 and has represented policyholders through his law firm for over 35 years. He is in a very select category of being a policyholder attorney who is also a licensed public insurance adjuster.
At Biller, Sachs & Robert we have represented only policyholders for 35 years. Many public insurance adjusters, insurance agents, contractors, remediation companies, and other insurance professionals recommend their clients to Attorney Biller and his team when they encounter a problem or difficulty with an insurance company. The attorneys at Biller, Sachs & Robert know insurance policies and they know how to resolve insurance claims. When our firm is retained early in your claim, you won't need a separate public insurance adjuster or a contractor who is not legally allowed to negotiate for you. With our experience, your claim will be timely submitted, policy conditions complied with, and settlements maximized. It is our knowledge, experience, and reputation which can allow us to resolve your insurance claim informally and quickly. When you hire us you get the benefit of a public insurance adjuster with the knowledge of an attorney.
At Biller, Sachs & Robert many of the state's finest insurance adjusters and agents use our office for consultation, advice, and to help their own clients. We frequently work together with many of Connecticut’s top public insurance adjusters.
Our Success Stories
A multimillion-dollar resolution of a homeowner claim where the original offer of approximately two-million dollars was trebled as a result of our firm’s efforts.
A half-million-dollar resolution of a homeowner’s insurance claim that was originally denied.
Resolution - Contractor Negligence
A half a million dollar resolution of a commercial dental practice insurance claim where a contractor negligently caused damages.
Contractor Negligence - Fire Loss
A half a million dollar resolution of total fire loss insurance claim to a North Haven, Connecticut homeowner whose home was destroyed due negligence of a construction company
Homeowner's Association Claim
A $600,000 recovery for an eastern Connecticut condominium association that was originally offered $10,000 by its property insurer
Roof Collapse - $500,000 Claim Paid
A half a million dollar damage claim paid for damage to an insured’s home when a tree fell on it during a windstorm causing the roof to collapse.
Claim Paid on Life Valuables
A $450,000 payment to an individual who lost all of her life valuables due to the fault of another and where liability was denied.
Claim Paid Where Liability was Denied
A quarter of a million-dollar recovery as a result of an oil spill and diminution of value to a Norwalk home where liability was denied.
Settlement When claim was Originally Denied
A million dollar settlement of a fire loss claim was originally denied based on allegations of arson and fraud.
Settlement - Claim Originally Denied for Fraud
A multimillion-dollar resolution of a homeowner claim of a fire loss in Avon, Connecticut which was originally denied for fraud.
Settlement for Nearly 3x the Original Offer
A multimillion-dollar resolution of a municipal sewage treatment facility claim. As a result of the Firm’s efforts, our client recovered almost three times the amount of the initial offer.
Bad Faith and Unfair Insurance Practices
Trial of a denied homeowner’s claim from Westport, Connecticut where claims of bad faith and unfair insurance practices resulted in a confidential settlement as well as an important insurance precedent favorable to policyholders.
Claim on Irreplaceable Artwork
A multimillion-dollar resolution of a fire loss claim in Prospect, Connecticut. This loss involved damage to irreplaceable artwork and custom-made furniture.
Reso;ution - Commercial Building Collapse
A multimillion-dollar resolution of a commercial building collapse in New London County.