Public Adjusters
"Exclusive Advocates for Policyholders"
If there was no need for Public Adjuster's they would not be licensed subject to the oversite of your States Department of Insurance. Your carriers adjuster represents the stockholders of the Insurance Company first and you the policyholder are a distant second. Call John Wayne Campbell for help immediately. 972 816 7813.
Public Insurance Adjusters represent you in the claim process. They review your coverage. They identify and scope the extent of your property damage. They investigate the cause of damage, they prepare estimate of damage, they prepare statement of loss and submit your claim to your insurance carrier in a form designed to get you the maximum recovery possible. Public Adjusters keep haggling over details to a minimum and keep you informed every step of the way.
Public Adjusters are superior negotiaters and handle this sometimes confrontational
aspect for you. The movement toward settlement does not require your active participation. Many people do not like confrontation or negotiations. It is a necessary part of the settlement process.
The primary reason you need public adjusters is the simple fact that the company staff adjuster or the independent adjusting firm retained by your insurance
company is there to pay you the least sum possible. The do it by loading their adjusters computers with software that understates the cost of necessary repairs.
The product produced is a very good appearing one, very detailed by good company adjusters. Not all company adjusters intend to short cut you and over look details that cannot be overlooked. But, they are stuck with the computer prices imposed by management.
The public adjuster's computer produces a detailed estimate that you can get a General Contractor to accept and repair your property with. Note the State of Florida's comments: "The
Florida Legislature’ own program policy analysis office has found that,
in claims related to the 2005 hurricanes filed by policyholders of the
state-run Citizens Property Insurance Corporation, settlements
averaged 747 percent higher ...The same legislative report found a
smaller but still significant increase – 574 percent -- in settlements
when public adjusters represented Citizens policyholders in
non-catastrophe claims."
These numbers are much higher then I would estimate. Protect yourself. Call me.
Call John Wayne Campbell now to represent your interests. 972 816 7813.
These numbers are much higher then I would estimate. Protect yourself. Call me.
Call John Wayne Campbell now to represent your interests. 972 816 7813.
Public Adjusters
"Exclusive Advocates for Policyholders"
The world has changed materially in my lifetime. You have to change with it or lose. You have already lost a large sum with your 401K. Many are losing jobs. People are a large expense and management knows the fastest way to impact the bottom line of a company. They will do all things necessary to protect and produce a profit for stockholders. Hell, their job depends on it. Sorry to say the rewards in $$$'s are so large that fraud, cheating and greed abound at the top of our companies.
When my claims career started the company adjuster had the Mission to satisfy their policyholders by treating them fairly. You literally looked for ways to pay. NO MORE. The insurance carrier looks out for itself and their adjusters are the minions of the carrier....not the policyholder. YOU need your own adjuster to represent you.
The Evolution
There was a time when property losses were settled quickly by experienced independent adjusters who had sufficient authority to evaluate conditions using few, if any, outside experts. As the insurance industry evolved in the 1970s and 1980s, carriers began to use more and more outside specialists—including forensic accountants, engineers, contractors, testing laboratories, and so forth—to work with their own adjusters in evaluating a claim. Many factors contributed to this evolution, not the least of which was the insurance carriers desire to manage claim settlements using a centralized structure with claim-approval authority residing at the home office and not in the field. Next came the control of software used in the carriers laptop computers mandated for use by their staff adjusters and independent adjusters. In storms they bring in hundreds of nice guys with little to no experience other then their software computer and they do what they were told to do. Contact everyone promptly and estimate their damage. Do not worry about accuracy. Just do the best you can. We expect supplements later on and we will deal with them. This works a high percentage of the time. People get wore down. The contractors will not accept the estimates. The company say they have paid enough. The estimate did come from a computer. How do you argue with a computer. The few that do retain Public Adjusters to help them are amazed. We are able to get them much more then the company offered with regularity. Many times that "no" claim becomes a $50,000. recovery.
The Evolution
There was a time when property losses were settled quickly by experienced independent adjusters who had sufficient authority to evaluate conditions using few, if any, outside experts. As the insurance industry evolved in the 1970s and 1980s, carriers began to use more and more outside specialists—including forensic accountants, engineers, contractors, testing laboratories, and so forth—to work with their own adjusters in evaluating a claim. Many factors contributed to this evolution, not the least of which was the insurance carriers desire to manage claim settlements using a centralized structure with claim-approval authority residing at the home office and not in the field. Next came the control of software used in the carriers laptop computers mandated for use by their staff adjusters and independent adjusters. In storms they bring in hundreds of nice guys with little to no experience other then their software computer and they do what they were told to do. Contact everyone promptly and estimate their damage. Do not worry about accuracy. Just do the best you can. We expect supplements later on and we will deal with them. This works a high percentage of the time. People get wore down. The contractors will not accept the estimates. The company say they have paid enough. The estimate did come from a computer. How do you argue with a computer. The few that do retain Public Adjusters to help them are amazed. We are able to get them much more then the company offered with regularity. Many times that "no" claim becomes a $50,000. recovery.
To regain parity in this evolution, insureds today find it increasingly important to employ their own outside consultants to help document and expedite their claims if they are to obtain a satisfactory claim recovery and restore their business operations as quickly and completely as possible.
When disaster strikes, people often try to handle the claim themselves. Or worse, they leave the claim handling up to the insurance company, hoping they will be treated fairly and get paid what they are entitled to under the policy. Think of it this way ... you turn over your taxes to a professional for a $2,000 refund, so why would you attempt to handle a $25,000, $50,000 or even $100,000+ insurance claim yourself? Working your own major loss would be like going to court without an attorney!
Now would be the time to contact John Wayne Campbell. We know insurance. More importantly, we know insurance claims. We have engineers. We have Attorneys on retainer in the event they are needed by our clients.
We are living in a tough and uncertain world where you have to look at some things differently. The Insurance claim process is one of those elements that has changed. Call us now or complete the contact template on this site. Be safe..not sorry.
John Wayne Campbell,Sr.
Executive Public Adjuster
Texas License No.1549815
Texas Office:
1121 Doc Holliday Dr.
Anna, TX. 75409
214 257 7620
972 816 7813 Cell
480 772 4414 Fax
Executive Public Adjuster
Texas License No.1549815
Texas Office:
1121 Doc Holliday Dr.
Anna, TX. 75409
214 257 7620
972 816 7813 Cell
480 772 4414 Fax
