Claim Adjusting

Many people make the mistake of being able to expect the insurance company to hold to their word when it comes time to pay out, but insurance companies have had years to refine their policies and to understand the language that offers them the ability to wiggle out of their commitments to you. While no one is asking you to assume the worst of your insurance company when it comes time for claim adjusting it is also equally important for you to understand that the friendly adjuster that shows up at your home is usually not your friend. In Illinois State you have the right to have your own independentclaim adjusting done either by a public adjuster or through a lawyer. The purpose of this is for you to get a fair valuation and determination from the insurance company for what your home, the repairs to your home and your contents are worth. However in many cases using the insurance or public adjuster will not save you from the aggressive tactics of the insurance company nor will it help you get what your home and contents are worth or what your policy originally promised you. A public adjuster is not always the most reputable of people to have on your side nor can they help you with anything else besides valuation.

For instance many public adjusters have a conflict of interest due to the fact that they are also a construction company and may also have worked with the insurance company on many occasions. They may require that you take their construction services as part of the claim adjusting package and if they are frequent customers of the insurance company you may find that their decisions and choices are based on their best interests not yours. Lawyers have no such conflicts and are in most cases bound to being an impartial representative that always has your best interests at heart not their own. They are not allow chasing you down like the public adjusters are to compete for your business but must sit and wait for you to come to them. In the mean time you may find that your claim adjusting is not going the way you want it to and that the insurance company is equipped with all sorts of dirty tactics to ensure that they pay as little as possible on your claim. Perhaps the best reason to choose a lawyer for your claim adjusting however is that he is capable of working through any contractual or legal issues that may arise from your problems with the insurance company.

A public adjuster can only valuate your property, a lawyer can do this and much more as well and usually for the same price as the public adjuster. His advice will be invaluable as the insurance company requires statements under oath or other techniques designed to eliminate fire insurance fraud but are frequently used by the insurance company to intimidate and get you to settle. If you need a lawyer to help you withclaim adjusting then take the time to consult with Steven B. Pollack for Fire Claim Law, he will offer you representation that includes claim adjusting but does not stop there. Do not let the fire insurance companies bully or intimidate you, experienced and professional representation can help you get the money that you are entitled to.

As responsible and law abiding home or business owners, we are all encouraged to do the right thing and take out insurance policies to cover all eventualities. These providers are quick to tout for our hard earned dollar and give assurances, which at the time afford us piece of mind; but in reality, many of these commitments are not actually what they appear to be at face value. Small print gets a bad press for a good reason, there is very often some hidden get out clause, written in 'insurance language', that should the need arise for a claim to be submitted, the insurer will refer to and very possibly twist to their own advantage and adjust the policy accordingly.

As a trained attorney, I am here to act for the good folk of Illinois and ensure that they are not subject to the bully boy tactics which are often displayed by a public adjuster, who may have ulterior motives to try and get a client to settle for less than their entitlement. My legal background helps me understand the finer points of a policies and contracts, and as a consequence, puts me in a strong position to fight a clients corner and recover the insurance pay-outs that they have been paying expensive premiums for.

My specialized subject is fire claims, so you could describe me as a fire claims lawyer, but I am more of a fire claims adjuster, who offers a sensible alternative to a public adjuster and my fees will not cost any more than theirs. My vast experience in litigation allows me to look after a customers best interests, whilst keeping an eye on the finances; indeed my charges are just 10% of any insurance recovery – there is no fee for non recoverable outcomes.

By appointing myself from the onset, I can fully understand the case and my presence also has an effect on the attitude of the Insurance company, who might otherwise take liberties against susceptible members of the public. Having a fire claim lawyer at your side, allows some of the burden to be eased from the claimants shoulders and lends some stability into a situation, that will undoubtedly be a time of great stress. Many fire claims result in the need to move out of the property and into temporary accommodation, so my appointment can offer some respite, and lets a client concentrate on family matters.

Why would you not just accept a public adjuster? It is probably the easiest option after all and there should be no apparent reason to suspect that anything but the sincerity and integrity that they display at their first introduction, is the norm. Unfortunately, this I'm afraid will not be the true reason for them turning up out of the blue. Insurance companies do not like to pay – that is fact, and if they have to pay then they want it to be as little as possible. So with a fire claim, a public adjuster will often prey on the vulnerability of a claimant and employ some aggressive questioning and intimidatory behavior, in the hope that scare tactics will see a settlement concluded for far less than it should be.

As a fire claim lawyer, I have something called a fiduciary duty – meaning I am bound to put your interests before those of my own; but as a decent law abiding citizen myself, I would morally undertake such practice anyway. The public adjuster however, is under no such obligation and might even have his own interests at heart if, for example, he has some involvement with a construction company, who may act on behalf of the insurers. That may raise an eyebrow of any decent, honest individual, but I'm afraid these practices to occur, and quite often.

A fire claim, submitted in all innocence and in the perfect rights of a homeowner, can actually turn into a state of affairs that sees the claimant being subjected to what sometimes will feel like harassment and interrogation. Under Illinois state law, whilst these inquiries are permitted, they have to be carried out in the correct manner and as the appointed fire claim lawyer, I will ensure that this is adhered to. There are many reports where an unscrupulous public adjuster has acted in an unethical way, but escaped unpunished due to scaremonger tactics. With the assistance of a qualified fire claim lawyer, none of this bad practice will ever take place.

I am Steven B Pollack and I'm here to protect all your rights and see that honesty prevails. A fire claim is something nobody ever wants to have to become involve with, but if such an eventuality should happen, then my professional assistance can make a difficult period run as smoothly as possible. My book 'After the Fire' is a free publication to aid claimants with the first two critical months after submitting a claim and can be ordered here at Fireclaimlaw.com, where you will also find a consultation form, from which I'll respond to immediately, with my initial thoughts as to what my involvement ought to be. My contact number is (847) 436-9566 – in an idea world you'll never need to get in touch, but should you need me, please do not hesitate, I'm always available.