What is a Public Adjuster?

A Public Adjuster should be a licensed professional in the state where the loss occurs.  He represents the "insured" who is the owner of the property that has been damaged.  His obligation is to his client only and the Public Adjuster will prepare all necessary documentation required to file a claim with the appropriate insurance company.

Why do I need a Public Adjuster?

Your obligation under your insurance policy is to present the claim to the insurance company.  Either you must do it yourself or hire a professional to do it for you.  If you bought a thoroughbred race horse, entered the Kentucky Derby and then tried to ride the horse yourself, do you think you would win?

Probably not!

A Public Adjuster should have the experience and knowledge to "win" for you.

Why do I REALLY need a Public Adjuster?

The insurance industry is a dynamic industry - it constantly changes.  A variety of factors will influence how a claim will be handled.  The insurance company adopts a defensive position.  Some factors that influence a claim are the jurisdiction the loss occurs in.  Are there adequate consumer protection laws?  Is it a large claim or small claim?  When does the loss happen?  During the busy season or the slow season?  Who is the company adjuster?  Is it a staff adjuster who usually is far too busy or an independent adjuster who wants to impress the company they are working for?  Who supervises the claim - an experienced person or an inexperienced person?

All of the above can have a dramatic effect on the outcome of the claim.  The Public Adjuster on the other hand will document the claim and should be relentless in the resolution of the claim in your favor as that is what you are paying them to do!

How much does it cost?

The states that I am licensed in allow a charge of 10% on the settlement value of the claim.  However that rate can change due to the size or complexity of the claim.  The charge will not exceed 10% and rates will be quoted on inspection.

Do I have to sign a contract?

The states that I am licensed in require a signed contract.  This will authorize me to represent your interests to the insurance company.  Companies require a copy of this before they will start the claim process.  The states that I am licensed in require this contract to be pre-approved by their insurance department before I can begin to use it.

Why should I use Alan Venus instead of someone else?

For the past 30 years I have been involved in the insurance industry having started as a staff adjuster, then having my own independent adjusting business and finally becoming a public adjuster representing the property owners.

I do it because I like it!

My commitment is to constantly improve my work product to the benefit of my clients in the most professional manner possible.  My greatest asset is in my experience as I have a pretty good idea what the insurance company will do before they do it.