Alabama Public Adjusters
While public adjusting is authorized and licensed in about 45 states, Alabama, at this time, doesn’t license public adjusters. So what can a company like The Howarth Group do to help you legitimately maximize your claim if they can’t act as a licensed Alabama public adjuster? That’s a very good question, but there is even a better answer: you can invoke the Appraisal provision of your policy and name us as your Appraiser. Similar to arbitration and mediation, there is no problem with utilizing the Appraisal process in any state. As a matter of fact, it’s written into every policy by every insurance company that does business in Alabama, they just won’t tell you it’s there.
We have been involved in over a thousand Appraisals (see “Appraisals”) and quite frankly, have found this method to resolving disputes over the amount of a loss a much more effective tool than serving as a public adjuster. The reason is that it gives the property owner much-needed leverage against the well-funded and well-staffed insurance companies. It levels the playing field and you, as a policyholder, ought to know enough about this process to consider it as a viable option.
Bear in mind, Alabama and it’s residents are no strangers to natural disasters. From tornadoes (think, April 27th, 2011) and hurricanes (think, Hurricane Ivan in 2004 and Hurricane Sally and Delta in 2020) to flood damage and hail storms. If your property has suffered damage from such a disaster (or even a fire), you may have already contacted your insurance company for the purpose of filing a claim. You’ve been paying your premiums on time, so there shouldn’t be any difficulty obtaining your money and having your property repaired, right?
However, the insurance adjuster assigned to your claim has a problem you may not know about; they have a “conflict of interest”. The “conflict” is between being loyal to their employer while simultaneously providing a complete and fair settlement offer that fully indemnifies you the loyal policyholder. The questions become as to what is “fair” and to who decides what is “fair”? This is where The Howarth Group and our team of experts can help.
Our Services, Free Review
We want to help the residents of Alabama receive as much money as they are legitimately due. Our services are provided throughout the state in places like Huntsville, Birmingham, Tuscaloosa, Montgomery, Mobile, Gulf Shores, and Orange Beach. If you believe that your insurance company’s adjusters are not treating you fairly, we will provide you with a “second opinion” at no cost to you.
Our opinion would be derived from physically inspecting the damage and then reviewing all of your insurance documents; such as estimates, declarations pages, policies, endorsements, and engineers reports. Doing our own due diligence ensures that we give you a fair and honest evaluation of your claim.
About a third of the time our review reaches the conclusion that there is nothing we can do to advance a claim because the carrier has offered a settlement that fairly reflects the policy and the scope of damages. (We are going to call it as we see it.) The other two-thirds of the time it’s apparent that the policyholder is being offered substantially less than what they deserve and, if that were to be the case with your claim, we would recommend the remedy for resolving such disparities. At that time you can decide whether to hire us to cure the problem. In the event that you do, we will inform your insurance company of our role in determining an accurate valuation of your loss.
Contact us at The Howarth Group today to discuss your claim and how the Appraisal process can give you the leverage you need to advance your claim and be made financially whole.