A public adjuster is a fiduciary agent for the policy holder. They must look out for the best interest of their client by law. The insurance company adjuster is also a fiduciary agent but by law he must represent the best interests of the insurance company.
A dilemma is created when an adjuster tries to represent both the insurance company and the policy holder because it’s impossible do what’s best for both the insurer and the insured at the same time
There are lots of players on the insurance carrier’s team, but they aren’t playing for you.
Underwriter: Approves or denies all claims prior to payment.
Senior Staff Management Ensures field adjuster’s recommendation complies with corporate guidelines.
Agent: Licensed to represent the insurance company’s product line, not adjust claims.
Field Adjuster: Recommends scope of repairs to Senior Management.
Preferred Restoration Contractor: Provides support for field adjuster’s recommendation to Corporate compliance auditor.
Preferred Dry Cleaning/Textile Company: Chosen by the insurance company and encouraged to clean as much as possible to minimize insurance carrier’s cost of replacement.
Crossroads Insurance Recovery will fulfill your contractual responsibilities by providing the following services:
Claims Representative: Provides comprehensive assistance to policyholders with any questions or concerns they may have regarding their claim. Facilitates communication between Crossroads Adjusters, the client, and the insurance company to ensure all parties are informed and involved in the claim process.
Contents Inventory Specialist Carefully inspects and documents all individual personal property from the loss, paying close attention to model numbers, brands, materials, and condition. Makes sure to accurately list all items that have been damaged or destroyed.
Pricing Specialist: Sources and identifies fair and reasonable prices for the personal property to ensure the client is properly compensated for their losses. Determines the market value of each item and evaluates whether the client is receiving the appropriate amount.
Estimator: Creates an accurate and detailed estimate of the real cost of building damage. Assesses the extent of the damage and calculates the cost of repairs.
Contents Adjuster: Thoroughly reviews, describes, documents, and negotiates all damages to personal property on behalf of the policyholder. Evaluates the value of the damaged items and makes sure the client is adequately compensated.
Structure Adjuster: Thoroughly reviews, describes, documents, and negotiates all damages to the structure on behalf of the policyholder. Examines the extent of the damage and makes sure the client is adequately compensated.
Quality Control: Manages all claims and ensures customer service and claim progress is maintained. Reviews claims and makes sure they are being handled efficiently and in a timely manner.
Senior Management: Provides final oversight on all claims, offering strategic insight into maximizing value for clients. Ensures claims are being managed in accordance with the company's policies and regulations.
You, the Client: You are the most important part of the claim at Crossroads; our goal is to make you whole. We strive to provide personalized service and will work diligently to ensure you get everything you're rightfully entitled to.
Reducing the stress and frustration of an insurance claim while helping you recover what’s rightfully yours
Let the experts at Crossroads Insurance Recovery manage your insurance claim so you can get the recovery you deserve.
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