Claims Adjuster

It is important to understand that regardless of the type of insurance you are dealing with the adjusters and lawyers that you deal with from their company are not there to assist you, their sole job is to reduce claims and save their insurance company as much money as possible. This means that they will stall your claim, find as many loopholes and exceptions as possible and whenever possible deny your claim outright, while at the same time intimidating you so thoroughly that you will not even attempt to appeal the case. This is why it is so important for you to have a Claim Adjuster lawyer on your side. When you have a fire in your home you have the right for independent representation from a public adjuster or a Claim Adjuster such a lawyer who specializes in negotiating with the insurance companies. There are many complex issues surrounding your fire claim settlement particularly things that you may not have thought about such as whether the insurance company will repair or replace damaged goods and what the consequences of that decision could be.

You may also be faced with tough negotiations with the insurance company over like kind and quality when replacing items, for someone that has just lost everything they own, such negotiations may seem like more trauma than they are worth. It is for sure that the insurance company will side on whatever decision will save them the most amounts of money and this may not be the right decision for you and your belonging. A Claim Adjuster lawyer can look through your insurance policy and negotiate on your behalf to ensure that you are fairly compensated and can replace your belongings properly. Another tactic by insurance companies to get you to settle for less is to insist that contract negotiations and construction are taking an unreasonable amount of time; their threat to cut you off is yet another tactic to get you to settle for less than what your policy entitles to you. This is a where a Claim Adjuster lawyer can benefit you; they understand that laws and are familiar with the way the policies are written as well as how the insurance companies work.

Most important they are on your side from the beginning and will work to ensure that your best interests are being met. In Illinois public adjusters are licensed to help you negotiate the valuation of your home and its contents, but these adjusters are not lawyers and know little beyond the valuation of the contents of your home. Claim Adjuster lawyers are skilled at reading contracts and understanding what your rights are under the contract you signed. They are experienced not only in negotiation but also in litigation as well, and can represent you in all manners concerning your fire insurance. If you have been the victim of a fire, before you go too far you should contact a Claim Adjuster lawyer such as Steven B. Pollack from Fire Claim Law. He can offer you years of experience as well as solid negotiating skills to ensure that you get everything that you are entitled to from your insurance company.

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.