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Frequently Asked Questions About Public Adjusters and Practices

At Eddie Russeck Public Adjusters, we are often asked many questions about what we do, how we do it and what our clients can expect. Below are some of the more common questions we come across. However, we urge you to contact us with any and all questions you may have. Your question may be listed, but we are happy to speak with you at any time to further elaborate and explain any of the answers you see below. We also appreciate new questions. So, please know you can contact us with any question or concern.

What is a Public Adjuster?

A Public Adjuster is a professional, licensed insurance claims adjuster and advocate. We prepare, present and negotiate your property's insurance claim. While we work with your insurance company, we work for and answer to you, the public.

Our experienced Public Adjusters are skilled in presenting the details of your property claim(s), your losses, to your insurance carrier in accordance with the laws, in a way that will make sure you get the best available settlement possible.

Please understand that because we are hired by you, the public, we are obligated to answer to you and deal with insurance companies on your behalf. 

Our Public Adjusters are often able to get much bigger settlements than you, dealing with the big insurance companies, on your own. This is mainly because we know how to present the facts properly. A simple incorrect statement to an insurance agent can greatly reduce your settlement. 

Negotiating with these big insurance carriers is what we do and we do it well. Contact us at 215-262-2983 and let us help you deal with these, sometimes intimidating, insurance companies and their agents.

Why Do I Need Eddie Russeck's Help?

Your insurance company has sub-contracted claims adjusters who are trained to represent their interests, not yours.

The skilled professional that your insurer will send to investigate and calculate your loss is paid by the very same company that is legally obligated to get you a fair settlement. Therefore, it's their job to try to limit the settlement amounts. It's all legal and fair. 

It's also legal and fair that you are also represented by a professional public adjuster, who is able to examine your policy and make sure your settlement is the best available. Understanding the fine print is what we do and we do it well.

This is why you need Eddie Russeck on your side. Eddie will make sure your settlement amount is best possible, as dictated by your insurance policy.

How is a Public Adjuster Compensated?

A Public Adjuster works for a small percentage of your settlement, payable after you are indemnified.

Our fee is 100% contingent on your recovery.

What About Emergency and/or Temporary Repairs?

One of the first questions we ask all our clients is; "After this loss, do you feel safe in your living quarters?" Water damage, smoke damage, floor and ceiling damage, can all make your home feel unsafe?

We will make sure that you feel safe and secure. It's your right.

The period right after your loss is very critical. One mistake in this complex process can void your policy or severely impair your ability to collect your rightful settlement.

Let Eddie Russeck handle the details, as we know your mind will be on other things. Contact us with any additional questions about emergency repairs or temporary living arraignments.

Should I Call My Insurance Company First?

A fair question. Your insurance agent will answer yes.

Our answer... No! Always contact your public adjuster first. If a policyholder provides incorrect or incomplete answers to questions asked by the insurance agents, it could drastically reduce the size of your potential settlement.

Once you hire us to represent you (your public adjuster), we handle all details of your claim, including notifying your insurance company of your damages correctly, so that you can receive a fair settlement based on your policy provisions.

I Contacted My Insurance Agent and Received an Offer. Is it Too Late to Hire Eddie Russeck?

Not at all.  Often, policyholders will try to handle a claim on their own, assuming their insurance company will fully compensate them for all damages.

It can be a very overwhelming experience when the insurance company denies your claim or offers an inadequate settlement.  Eddie Russeck will give you a free claim review to see if we can assist you in gaining additional settlement money.

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