FAQ

Q. What is a Public Insurance Adjuster?

A. A Public Adjuster is a highly-skilled, professional insurance expert with vast knowledge of insurance policies, damage, repair and replacement costs, insurance requirements, depreciation, inventories, business damage assessments, and negotiation skills.

Q. Why Are They Called “Public Insurance Adjusters?

A. They are called “Public Insurance Adjusters” to distinguish them from
the insurance company’s adjusters and because 3 Sons Insurance Services
represents you the public, exclusively.

Q. How do Public Adjusters differ from Staff Adjusters and Independent Adjusters?

A. A Public Adjuster is an authority retained by you to represent your interest when adjusting an insurance claim.

• A Staff Adjuster is an employee of the insurance company, usually on a full time basis.

• Independent Adjusters are contracted by the insurance company to adjust claims on a per claim basis, and can be contracted to several insurance companies at any time.

Q. What Is The Extent Of 3 Sons Insurance Services Responsibility?

A. It covers every phase of preparation, presentation and settlement of
your claim. It does NOT extend in any way beyond the handling of your
insurance claim.

Q. Will I Receive A More Prompt & Satisfactory Settlement Through
3 Sons Insurance Services?

A. Yes, because at 3 Sons Insurance Services we lose no time in obtaining
and evaluating the facts necessary to prepare your claim. Our alert and
prompt service often provides evidence that may otherwise be destroyed.
The more thorough and complete the claim preparation, the faster
3 Sons Insurance Services can effect a more favorable settlement for you.

Q. Who Else Retains 3 Sons Insurance Services?

A. 3 Sons Insurance Services is frequently retained by attorneys, CPA’s, and businesses, as well as homeowners. Once an insured has
experienced the skill of 3 Sons Insurance Services and their staff, he or she
would not consider settling a claim without 3 Sons Insurance Services
specialized assistance.

Q. Why Do I Need Help In Filing An Insurance Claim?

A. The Average insurance policy contains as many as 2,500 lines of terms
& conditions-various forms and endorsements that are constantly
changing-as many as 300 lines of text about YOUR requirements in
case of loss. Most people do not know or understand these contractual conditions. 3 Sons Insurance Services does.

Q. How Can 3 Sons Insurance Services Help Me?

A. By giving you the advantage of expert advice based on years of
experience in many technical problems. By relieving you of the work,
worry and the enormous amount of time consuming detail involved in
preparing and filing a claim. Also by helping you to secure a prompt and
fair settlement.

Q. What Special Help Can 3 Sons Insurance Services Give Me With Technical
Questions?

A. In settling your claim, the insurance company will comply with the
terms of your policy. But it is up to you to prove your loss. And most
often there will be many questions as to how the policy conditions could
be interpreted and applied in different circumstances. 3 Sons Insurance
Services are your EXPERTS when questions arise. They are
concerned only with your interests. Because of their vast experience and
specialized knowledge, they prepare your claim to recover to the fullest
extent of the insurance coverage.

Q. Can’t I Prepare My Own Claim Just As Well By Myself?

A. No. It stands to reason that 3 Sons Insurance Services, who make this their
life’s work, can do it more competently than an average insured, who may
have one loss in a lifetime. Their knowledge over the past decade of
adjusting claims enable them to prepare and file the necessary claims
and forms expertly in order to negotiate the settlement to the greatest advantage
of the policyholder.

Q. Why Should I Engage 3 Sons Insurance Services To Obtain What Is Rightfully
Due Me?

A. Insurance companies are prepared to pay you what is due you as they
see it. The company adjuster is not supposed to be prejudiced. Obviously,
their allegiance is to the insurance company they represent. 3 Sons Insurance
Services are your representatives exclusively, and with their experience
and knowledge, are better able to bring about a more favorable settlement.

Q. How Much Does 3 Sons Insurance Services Charge For Their Services?

A. Our charge is a small percentage of the insurance
company’s settlement with you on a contingency basis. By maximizing
your settlement, usually 3 Sons Insurance Services will save you the cost of
their fee at the very least.

Q. What Is The Function Of A Public Insurance Adjuster?

A. To advise and assist in the preparation of inventories, estimates and
proofs of loss; to handle all the necessary details to prepare and file
claims, as required by the terms of your insurance policies. Also, to
arrange for meetings with the insurance company representatives and
handle all matters essential to a proper satisfactory settlement.

Q. How Does 3 Sons Insurance Services Determine The Actual Loss?

A. We take physical inventories, prepare building estimates, compute
business interruption losses and at the same time see that all stipulations
in your policy are faithfully observed. This often involves numerous steps
about which the average policyholder knows little or nothing, but can
make a great difference in the amount of the final settlement.

Q. Will My Agent Or Broker Act As An Adjuster On My Behalf?

A. No. Your insurance agent or broker serves you in connection with
placing your insurance coverages. As a general rule, insurance agents or
brokers do not have the claims handling expertise, knowledge, experience,
nor the staff necessary to render the same specialized claim services that
3 Sons Insurance Services performs for you.

Q. Will My Insurance Company Recognize 3 Sons Insurance Services As
My Representative?

A. Yes, Indeed. Most companies actually prefer to work with an experienced
and reputable public insurance adjuster rather than an inexperienced
claimant.

Please feel free to contact us for an immediate on-site inspection following a loss at no cost to you. We will review your insurance coverage, along with an inspection of the physical damage. At that time we will make our recommendations on a course of action to immediately begin the rebuilding process.