Policyholder FAQs

Understanding your coverage, knowing your rights, and being well-informed about the claims process is integral to making the most of your insurance policy. We’ve compiled a comprehensive list of CONTINENTAL ADJUSTERS’ policyholder FAQs to assist in this endeavor to provide clear, accessible information. If you have other questions or concerns, don’t hesitate to contact us today.

Frequently Asked Questions

Our public claims adjusters bring decades of negotiating experience and a commitment to your cause. Learn more about the things that set our process apart.

What is a public adjuster?

Public adjusters work exclusively for the policyholder, not the insurance company. A public adjuster is hired to protect the interests of the building owner or manager by comprehensively assessing your damages and getting you a maximum settlement expeditiously.

Shouldn't I just assume the insurance company will take care of me?

Staff adjusters work for and are paid by the insurance company. They do not have your interests in mind. You need someone presenting a detailed estimate to gain you the fair and equitable settlement you deserve. How do you know you are getting everything you are entitled to by your policy? Call CONTINENTAL ADJUSTERS.

Why not let a contractor handle my claim?

In Texas, it is illegal for contractors to negotiate with the insurance company on your behalf. Most contractors do not have the experience or expertise to negotiate on your behalf, especially when depreciation and co-insurance issues are involved.

Many contractors low-bid projects hoping to secure a job, then change the order during construction. We aim to negotiate the largest settlement so you can complete the repairs and reconstruction properly and completely.

Why not handle the loss myself?

Unlike a public adjuster, most policyholders do not have the time or expertise to assess and prepare an itemized damage report properly. CONTINENTAL ADJUSTERS has extensive experience in properly analyzing and supporting your claim.

In turn, you are relieved of the burden of preparing a damage estimate, coordinating all the meetings with the insurance company, and attending meetings. With this burden relieved, you can continue concentrating on your day-to-day activities. With commercial losses, many companies or management groups do not have the dedicated personnel and the time to handle a claim properly.

Will I still be involved?

Yes. We work as your in-house claims department. In preparing estimates and inventories, we consult with you to assemble a loss package before conferring with the insurance company. No final settlement will be made without your approval.

How are you paid?

We only receive a small contingency fee based on the recovery amount. CONTINENTAL ADJUSTERS must invest time and money to obtain the best result possible.