Public Adjuster Massachusetts
D’Orsa and Associates, LLC
Telephone: (877) P I ADJUSTER – (877) 742-3587
A Public Adjuster is an insurance claims adjuster who is an advocate on behalf of the policyholder in estimating, appraising and negotiating insurance claims.
Our Public Adjusters are licensed by the Commonwealth of Massachusetts, Office of Consumer Affairs and Business Regulation, Division of Insurance (http://www.mass.gov/ocabr/government/oca-agencies/doi-lp/).
Public Adjusters are the only insurance claims adjusters who may legally represent the policyholder through the insurance claims process.
Insurance companies are in the business to produce a profit; thus by compensating the policyholder as little as possible on their claim the insurance companies will be able to enhance their earnings.
Our Public Adjusters will fight to ensure you receive a fair and just settlement to fully recover from your loss. D’Orsa and Associates, LLC are basically your own personal “Private” Adjusters who work specifically for YOU (on a contingency basis).
The insurance company will send an adjuster (to you) who represents and is compensated by the insurance company; not the policyholder.
Contact D’Orsa and Associates, LLC Public Adjusters before you contact your insurance company in the unfortunate event your home or business suffers any type of damage from: fire, frozen pipes, ice dams, fallen trees, damaged roofs from ice, snow, hail, hurricane, ceiling leak to a burst plumbing water line. We will direct and assist you throughout the entire insurance claims process.
Many policyholders delay hiring a Public Adjuster until they become frustrated and exhausted dealing with insurance companies. Actually, many people have never even heard of Public Adjusters. Although, Public Adjusters receive compensation in the form of a percentage of your claim; hiring a Public Adjuster has considerable advantages than hiring no Public Adjuster. D’Orsa and Associates, LLC Public Adjusters have the expertise to navigate and negotiate with the insurance company to obtain significantly more compensation for a loss then the policyholder would receive on their own.
How to choose a Public Adjuster?
The Public Adjuster must be licensed. The Public Adjuster will visit the site where the damage has occurred to accurately scope any damage; as well as review your insurance policy. The Public Adjuster should be thoroughly familiar with insurance laws, as well as construction. The Public Adjuster will encourage and counsel you to mitigate the damage. A respectable Public Adjuster will not suggest his or her relative or friend to complete the repairs. The Public Adjuster’s obligation is to assist and represent you with your insurance claim.
Our Public Adjusters are specialists in scoping and assessing all types of damage to include:
fire, hurricane, wind, rain, roof leak, lightning, vandalism, mold, humidity, collapse, water, burst pipe, shower pan, burst water heater, air condition leaks, burglary, or other types of loss that is covered by your policy.
There are three types of insurance adjusters:
Insurance Staff Adjuster: Is an employee of the insurance company, who is paid directly by the insurance company, likely promoted based upon how much money they are able to save the insurance company.
Independent Adjuster: Is an independent contractor who works for the insurance industry representing the insurance company’s interest, not the insured! The independent adjuster is also paid by the insurance company.
Public Adjuster: Is basically a “private” adjuster hired by the policyholder on a contingency basis, who fights for the policyholder’s rights and interests. The Public Adjuster advocates on insured’s behalf to make the insured whole again.
Our goal is to reach an ultimate settlement that is accurate and fair for YOU!
We will review your insurance policy at no cost to ensure you understand your coverage and if necessary recommend adjustments before an incident occurs.
To obtain more information about Public Adjusters visit the National Association of Public Insurance Adjusters http://www.napia.com/