Property Loss Professionals: Who Are They and How Can They Help You?

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...detailed work in a challenging environment. Their services are essential to getting a proper insurance payout for your claim.


In the event that the insured cannot settle their claim with the insurance company — even after they have done everything they can to prove their claim— the policyholder may want to engage the services of an attorney to represent them.

An insurance policy is a contract between the insured and the insurance company — and experienced insurance lawyers can be very effective in pursuing the policyholder’s rights under this contract. Insurance lawyers are licensed by each state. Furthermore, they have continuing education requirements governed and regulated by the state’s bar association.

Lawyers charge either a contingency fee based on the insured’s recovery or an hourly rate, depending on the firm and type of litigation involved. Lawyers often hire their own experts to support the policyholder’s case. These often include a public adjuster, or risk management or insurance consultant.

Helping You, the Policyholder

When home or business owners experience a significant property loss and the resulting need to file an insurance claim, there are many qualified professionals who can assist with the process of obtaining a fair and accurate claim settlement. It is important to know who they are, what role they play, how they are compensated, how they are licensed and trained — and most of all, how their involvement can benefit you, the policyholder.

By doing your own research and due diligence, you can make informed decisions regarding who the most qualified insurance experts are to best assist you through the claims process.

Adjusting Today Basis for Institutes CE Courses The Institutes, the leader in providing knowledge solutions for risk management and the property/casualty insurance industry, offers continuing education courses based on technical information compiled from issues of Adjusting Today . The courses —“Valuing a Property Insurance Claim” and “Natural Disasters: Coverage Issues”— include seven modules each and are approved for credit by insurance departments in most states. They are offered to property insurance producers, adjusters or both, depending on the state, for up to three continuing education credit hours per course. More information is available at


126 Business Park Drive Utica, New York 13502 800.382.2468 Outside U.S. (315) 797.3035 FAX: (315) 272.2054



Ronald A. Cuccaro, SPPA


Sheila E. Salvatore

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ADJUSTING TODAY ® is published as a public service by Adjusters International, Ltd. It is provided for general information and is not intended to replace professional insurance, legal or financial advice for specific cases.

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