Speech Topic: Public Insurance Adjusters: Why You Should Hire One

Audience Information: General. Groups at networking

General Purpose Statement: To inform the audience

INTRODUCTION
Attention Getter: When developer and realtor Chris Spooner suffered a fire loss to his $30,000 home in
North Carolina, he immediately recognized that this loss was not what he bargained for and was not
willing to tackle.
While he knew a lot about real estate and property development, he certainly knew the documenting
process and proving his damages to his home was out of his area of expertise. In addition to this, he
simply did not have the necessary time to commit to compiling the large loss that this claim will require.
He needed a Public Insurance Adjuster. He needed someone like me.
Statement of Credibility (Why are you credible to speak on the topic?): I am a Public Adjuster, which
means I work for the Insured, not the insurer, making sure they get the maximum pay-out they deserve. I
work on a new claim, underpaid claim or denied claim. What's most important is I do not get paid until
the customer is paid. Hence my success is based on your success.
BODY/MAIN POINTS
Adjusters are hired to handle various aspects of insurance claims, and there exist three classes of
adjusters.
 Classes of insurance claim adjusters
The three classes of insurance claims adjusters are;
1. Staff adjusters – They are employed by an insurance company or self-insured entity

2. Independent adjusters – These are independent contractors hired by the insurance company.

3. Public adjusters – They are employed by the policyholder

Let us talk a bit more on the public adjuster.

 Who is a Public Adjuster?

A public adjuster is a professional claim handler/ claims adjuster who advocates for the policyholder in
appraising and negotiating a claimant's insurance claim.
Aside from attorneys and the broker of record, state-licensed public adjusters can legally represent the
rights of an insured during an insurance claim process. Their technical expertise and ability to interpret
sometimes ambiguous insurance policies allow property owners to receive the maximum amount of
indemnification for their claims. Moving on, let us see why you should hire a public adjuster.
  Why you need a public adjuster
Although seen many times as adversarial by the Carriers, public adjusters do (almost always)
substantially increase the settlement value of the loss. Many professionals, and persons who are either
incapable due to education, age, or physical impairment, choose public adjuster representation to guide
them through the process and minimize the time which must be spent to perfect their claim. And how
do they go about this?
 Primary operating method of public adjusters
Primarily public adjusters prepare detailed scope and cost estimates many times using experts in the
fields of remediation, toxicology, and construction engineers to prove their loss.
Most public adjusters charge a percentage of the settlement like general contractors who add (10/10) to
the total repair cost to cover overhead and reasonable profit.
Public adjusters also provide insurance policy interpretation to determine covered and uncovered items
and to negotiate with the insurance Carrier to a final and fair settlement.
 Why you should employ my services
I run an organization called Public Adjuster 4 You. We work astutely and deliver efficient results. I do not
get paid until my client is paid, and I am always available for a free inspection and consultation. You can
be guaranteed about one thing, that Your help in our hands gets you results.
CONCLUSION
Statement of Closure: As I bring my presentation to an end, I would like to tell you that after viewing the
property and assessing the damages, Mr. Chris Spooner was able to claim his settlement. His public
insurance adjuster was ultimately able to show that what the insured lost was more than what the
insurers proposed. As a result, Mr. Spooner’s settlement was $10,000 over what he anticipated. He
recovered the full policy limits.
Recap of Thesis/Main Points: Laying claim to your insurance from your policyholder is no small task. It
can be daunting, tiring and sometimes bureaucratic. What do you do then to avoid all this?
You contact Public Adjuster 4 You. We have got you covered.
Thank you for listening.