C.P.R. Claims Professional Representatives, LLC - A Crisis Management Company - TOLL FREE 1-877-256-4883
0
Licensed & Bonded Public Claims Adjusters - 24 Hour Service

"We Work For You, Not The Insurance Company"
Common Questions

  1. What is a Public Adjuster?
  2. How does a Public Adjuster prepare a claim?
  3. Why do I need my own adjuster? (answer...)
  4. How is a Public Adjuster compensated? answer...)
  5. What about emergency and/or temporary repairs? (answer...)
  6. How do I really know if I need your services? (answer...)
  7. Will hiring CPR help me to receive a prompt and fair claim? (answer...)
  8. What types of property loss are handled by CPR? (answer...)
  9. Who can retain CPR as their "Personal Adjuster"? (answer...)
  10. Can I do all this work myself, and file my own claim? (answer...)
  11. Does my insurance company recommend that I hire a Public Adjuster? (answer...)
  12. When should I hire CPR? (answer...)
Answers

1. A public adjuster is a licensed professional claims adjuster and advocate. We prepare, present, and negotiate your property claim with your insurer. A Public Adjuster is solely your representative.

2. In addition to being skilled negotiators, we use the services of structural appraisers, engineers, accountants, inventory specialists, and other experts as needed. Your insurer will use their own experts to document their opinion of your claim. Again, the conflict is apparent.

3. Your insurance company will utilize the services of a staff or sub-contracted claims adjuster to represent their interests. The skilled professional that your insurer will send to investigate and calculate your loss is paid by the very same company that owes you a fair settlement. The conflict is obvious.

4. A public adjuster will work for a small percentage of your settlement, usually payable after you are indemnified. The difference in your settlement, a direct result of having your own skilled advocate, will most likely cover this fee.
Click HERE to return to the top of page

5. Within the fine print of all insurance policies is a complex list of obligations that the policyholder has in the event of a loss. A public adjuster will give you expert guidance. The period right after a loss is a critical time; the right decisions can save your business or home and also protect your rights. The wrong decisions can lead to disaster. One mistake in this complex process can void your policy or severely impair your ability to collect your rightful settlement.

6. A consultation is free and absolutely without obligation. Please feel free to email or call us to discuss your claim.

7. Most certainly. A detailed and precise claim skillfully negotiated will bring a swift and favorable conclusion to your loss. Our goal is to maximize the claim ensuring that our client receives proper compensation. We strive to perform our duties in a timely, yet effective manner. You have to remember that we only recover when you do, and we earn a percentage of the settlement. The larger your settlement and the sooner you receive it, determines how much and how soon we are paid.

8. Residential, commercial and industrial properties that have been damaged or destroyed by perils covered by insurance. These perils include fire, wind, water, smoke, lightning, explosion, vehicle or aircraft damage, weight of ice and snow, vandalism, theft and hail.
Click HERE to return to the top of page

9. Anyone who is the "Named Insured" on a property insurance policy. This may include a person who is renting or buying a home, apartment or condominium. Clients may be owners of a business or rental property. A fiduciary such as a bank or an attorney working on behalf of their client. MPA has served individuals with relatively small claims as well as large corporations in multi-million dollar losses.
Our list of clients include attorneys, accountants, contractors, business owners, a county assessor and even a fire chief. An insured’s level of education and field of expertise makes little difference in the processing an insurance claim. Anyone without a thorough knowledge of insurance and a vast amount of claims experience, will find themselves in a virtual mine field.

10. Absolutely. However, ask yourself these questions. Do I want to put myself through all that work? I have just experienced a devastating loss, am I emotionally ready to tackle this major undertaking? Am I knowledgeable and experienced enough to handle my own claim? Am I willing to risk receiving a significantly lower settlement, just to save the public adjuster’s fee?

Did you know that your insurance policy will not reimburse you for lost income while working on your claim?
According to an article in the November 1996 issue of Your Money, 67% of homes are underinsured, and most people do not even read (not to mention understand) their policy! If this is true in your case, what are the odds of negotiating a "fair" settlement with the people who wrote the policy? Many victims do not realize that the burden of "proof of loss" is on them and not the insurance company. They think that the insurance company will determine the full amount of loss and simply write them a check. An insured may also overlook types of coverage's and amounts in excess of what is on their "Declarations Page". Lack of this information alone could significantly decrease the amount of your settlement. Many are caught by surprise to find out that there is a "co-insurance" problem. By the time the insurance company makes them aware of this, it is too late.

Smart people know when to call in a professional. Most people could represent themselves in court, prepare their own taxes, or handle the purchase of a home or business. Realistically however, they know that handling these major undertakings without the guidance of a professional can be foolish and extremely costly. If the future of the largest investment of your life is at risk, doesn’t it make sense to hire a professional to protect it?

Insurance is a contract of adhesion, the insurance company writes the policy, determines your coverages, and decides how much your premiums will cost. Now that the loss has occurred, they want you to allow their salaried or contracted adjuster to tell you how much they will pay. Insurance is a business, and they have their adjuster looking out for their "bottom line". Shouldn’t you have your own adjuster to look out for your bottom line?!
Click HERE to return to the top of page

11. Many professional insurance company adjusters prefer to work with a licensed and experienced professional rather than an inexperienced insured. However, there are many more agents and adjusters that will do their best to discourage you from hiring a Certified Public Adjuster. The question you need to ask is "if it doesn’t cost me anything to meet with CPR why is this person trying so hard to discourage me from consulting them?!

12. Immediately. The best defense is a good offense! We will provide you with much needed information. You could lose thousands of dollars within the first 72 hours after your loss!! Give us the opportunity to advise you before your insurance company takes control of your claim.
Click HERE to return to the top of page
All Rights Reserved 2009 · C.P.R. Claims Professional Representatives, LLC · Indiana & Michigan USA