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Hiring a public adjuster versus an attorney
Submitted by Steven B. Pollack <steve@ecoesq.com> on 25/Oct/2008
Message:
How did it come to be that public adjusters were licensed by state departments of insurance to act as psuedo attorneys? Besides the public adjuster statutes, it is the unauthorized practice of law to represent another without being an attorney.
Was there a problem getting attorneys to do this work?
I enjoy handling the claims process on behalf of insureds and as an attorney I often find issues that go beyond valuation. The contract language must be analyzed and sometimes case law must be consulted to fully articulate the basis for the insureds position. This clearly exceeds the skillset of a non-attorney.
It seems to me that a public adjuster is only appropriate when there is no question about the insurance company's intent to cover the entire claim and replace every item. Otherwise I think the homeowner must have the skill of an attorney to get full compensation under the contract.
Steven B. Pollack
3390 Commercial Ave
Northbrook, IL 60062
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