What are good reasons to become a public adjuster?

1. You’re a Crusader Insurance Companies lie and cheat their which is your client.
2. You enjoy proving real facts and evidence against stupid insurance companies talking points.
3. You enjoy making great money and making sure your client is covered for their exact damage.

Why Do You Need To Become A Public Adjuster?

1. We are going into a recession but as a public adjuster you have a massive amount of options with work that families need your help to become whole again after an insurance claim. The price of labor and material's has sky rocked and they need your help.
2. As I was saying Inflation from gasoline to food to every thing has gone up 25% to 55% your dollar is Shrinking there are a bottom tier of people that can't live and homelessness that is taking place. But because we make money by a percentage as the prices rise so does your income. There is so much work that you could hire and let us help you train them and you could then override them by $40%

Can You Not Afford $17 Pre Day For A Month To Make $2,000 Per Week And Then Pay Less Then $2 Per Day To Build 1/4 Million a Year.

In 10 Days The Cost For The Membership Will Go Up $500 because our cost have increased.  

It Will Give You Time For Your Due Diligence Check Out Our Site and Search The Internet You Will See No One Teaches What We Do.  Only The Test And Crappy Software That Keeps Chaining And Cost $300 Per Month. We Have ongoing Coaching as Well.

Must listen to my audio find out how anybody can become a member.

$84,468 X 10% Cap Fee State = $8,446 In Your Pockets

$84,468 X 20% Non-Cap Fee State = $16,892 In Your Pockets

8 to 12 Hours

$31,227 X 10% Cap Fee State = $3,122 In Your Pockets

$31,227 X 20% Non-Cap Fee State = $6,244 In Your Pockets

For 7 to 11 Hours

$21,316 X 10% Cap Fee State = $2,131 In Your Pockets

$21,316 X 20% Non-Cap Fee State = $4,262 In Your Pockets

7 to 10 Hours

$23,491 X 10% Cap Fee State = $2,349 In Your Pockets

$23,491 X 20% Non-Cap Fee State = $4,698 In Your Pockets

7 to 10 Hours

Claim Procedure

1. Sign Claim
2. Setup Scope Power Estimate
3. Add Authoritative Reports
4. Find All 4 Insurance Company's Adjusters With Authority 
5. Present Claims
6. Negotiate Claim
7. Deal with Any Engineers
8. If Needed Work Other Claims Resolutions 
9. Dispersed Checks

By Mark E. Houser

The Willing Warrior

“What does it take to become someone else’s miracle?”

It takes a lot of good will and understanding of other people’s woes.

“What is it like to become someone else’s miracle?”

In what we do you see a welling up of relief in their eyes.

Peace in your soul knowing you are willing to stand up against a giant.

You have knowledge that the world has been denied access to.

So, what does it take to become someone else’s miracle?

It takes a willing warrior and may God Bless Your Work.

By Mark E. Houser

• For the rest of you, a public adjuster is someone who works for a property owner against their insurance company in a property damage claim.

• Basically like a lawyer but in a very narrow field and with no law degree and we don’t leave our clients with less than they need after getting paid.

• The goal of a Public Adjuster is to maximize the settlement of the property owner.

• Typically you are working with homeowners and commercial property owners.

• Most Public Adjusters are sadly poorly trained.

• In contrast the typical insurance adjuster that most people are aware of works for the insurance company. They are generally trying to minimize or deny the settlement the insurance company has to pay out.

• Insurance adjusters can cover a wide variety of different types of property losses beyond what a public adjuster deals with depending on their training. Typically they aren’t well trained, often with only a few weeks of training or less, and the training they do get, a lot of that is how to minimize a claim.  

• Typically this is an entry level position at an insurance company and most people don’t tend to stay as adjusters either moving up the ladder or more likely moving to greener pastures. You can only take so much of telling people no when they are most vulnerable.

• Then there is a third type of adjuster called an independent adjuster. They work with insurance companies but unlike their in-house counterparts they are free agents who often work for multiple insurance companies.

• Insurance companies typically use them in areas where having in house adjusters isn’t feasible or when they need extra adjusters in an area such as after a hurricane or a flood.

• Because they don't work directly for insurance companies they always run the risk of being replaced as insurance companies try to pit independent adjusters against each other to get the lowest costs.

• As a property owner it is your job to demonstrate to the insurance company for what reason and why you need to be paid.

• This isn’t the insurance adjuster's job, contrary to most people's beliefs.

• The typical property owner, however, isn’t prepared for this.

• They don’t understand what their policy covers.

• They don't know what things cost to repair or fix.

• And often they don’t have the time to figure it all out.

According to one study, Public Adjusters on Average increased 574% more money for their clients than people who went it alone vs taking what the insurance company is willing to pay.

Because most people don't know what their homeowner’s insurance covers they try and rely on the insurance company to tell them if they have coverage or not.

BIG MISTAKE.

Homeowner’s all the time say one wrong thing and have the insurance company say, “Sorry you’re not covered for that.” when they are.

Here is an example. “The Sewer backed up”, the insurance company will deny you because they don’t cover water damage from the sewer or they would call groundwater.

But that isn’t what happened.

That water isn’t from the sewer, it’s your water from your home that was blocked that came back into your home.

The sewer almost never backs up, if that were the case all your neighbors would have the same problem.

There are hundreds of these little phrases that insurance companies will use to deny claims before they even get started, many of which the policy really does cover.

The claims that don’t get outright denied are more often than not minimized.

Remember how I said public adjusters are like lawyers?

Besides not having a law degree, there is one other key difference.

That means always getting the homeowner what they need to fix their property after we take our fee.

No leaving people with damaged property that they can’t afford to properly fix because your fee is too high.

In most states that is no more than 20- 25% for small claims $50,000 and down and 10% for big claims.

Because in large claims you will find damaged personal property which is paid out at actual cash value (ACV) which is replacement cost minus depreciation.

So to guarantee the client what they need and still cover our fee it needs to be done at 10%. (Some states called caped states have caps that are lower than 25% for any size claim typically 10% to 12.5%)

Two ways:

O&P And what we call getting down to the ridiculous

• O&P or Overhead & Profit is added to claims and adds 10% and 10% or 20% to the final claim amount.
• Typically this is one of the things that insurance companies fight over and for most homeowners they don’t even know they deserve it.
• We teach how to get O&P every time. (This is something that most public adjusters don’t even know how to do)
• This is an additional 20% beyond what the costs of repair are and the courts say the insured is do.

Everything has a value.

Even the simple job of setting and removing of switch plates has a value, and can be found in every software out there.

We teach public adjusters to make sure everything is accounted for in the estimate and that an authoritative reason is given for when it is included.

The typical contractor estimate is three lines item with a total.

We teach Public Adjusters reconstruction methods so that you understand how something should be fixed or repaired the right way, and then how back it up with documentation or facts and evidence in the same manor as an attorney to give real proof why.

No Inflating Of Estimates Just To Make Them Bigger!

We are Property Adjustment National Association one of three national public adjuster associations and currently the biggest.

We Have Over 700 Firms

We Are In 45 States

This Years Our Members Are Putting In The Pockets Of Homeowners 2 Billion

• Every other “school” out there only teaches how to pass the public adjuster license test for each state or how to use an estimating software.

• This is why most Public Adjusters are poorly trained.

• Passing A Test Does Not Prepare You To Be A Public Adjuster

• Before We Came along No Public Adjusters where properly trained.

• At best you would have some who were converted insurance adjusters but for the most part public adjusters have been trained by whisper down the lane methods taking years, and they still have massive gaps in their training.

• They simply follow around another public adjuster for years hoping to pick up whatever scraps they can along the way.

Let’s do a little math.

• One $10,000 claim at 20% (in non-cap states) = $2,000 (10% in cap states) = $1,000

• About 4 hours’ worth of work.

• You do just one of those a week you just made $8,000 a month or $96,000 a year at 20%. You do just one of those a week you just made $4,000 a month or $48,000 a year at 10%.

• And that is the lowest type of claim that you will see.

• It isn’t hard to find $10,000 claims.

• The Average cost of a claim the insurance company pays out in 2015 (this has increased every year) is $11,402 x 20% = $2280.40 x 4 = $9,121.60 x 12 = $109,459.2

• Just about 5 out of every 10 homes have a claim between $5,000 and $10,000 right now. And when it comes to damage it doesn’t take much before it gets to over $10,000.

• $11,402 is what the insurance company on average pays out as a Properly Trained Public Adjuster you always beating the average.

• Larger claims of course take more time than 4 hours but they also pay better too.

• It is all how you position yourself.

• You could also do it a slightly easier way by doing 1 $1,000,000 claim where you make 10% or $100,000.

• Most public Adjusters idea of marketing is joining a networking group like BMI. But that isn’t really marketing.
• We teach you how to work with other professionals.
• You’ll learn how to put yourself in the path of work, so it flows right to you.
• Contractors, Realtors, Plumbers We teach you how to setup a network of people who see claims all the time and who you can help solve problems for by finding money that they otherwise wouldn’t be able to get.
• One top of that we will teach you how to build a firm, with other public adjusters under you so you can make money even when you don’t work. You Make A Cut Off the top kinda like a real estate broker does with real estate agents.

Want to work a lot and make a lot of money we will teach you how to build your business that way.

Want to work a little and spend time with your family or doing your favorite hobby but still want to make a decent income?

We Can Help You Do That Too!

• When You Join The Association You Join A Family of like Minded Brothers and Sisters Who All Want To Help Each Other Get The Most for Their Clients.

• Most Public Adjusters Outside of the Association aren’t that way. All They care about is their own little kingdom, their little piece of turf that they control.

• And they do everything they can to stop anyone else from coming and taking a part of what they think is theirs.

• But it isn’t theirs.

• It is homeowners and commercial property owners who need your help.

• That isn’t a game or some hill that someone can claim, it’s a person in need.

When people go through claims it is often an emotional time for them.

Their home or place of business is no longer whole, and you solve that problem for them.

We Have Two New Area's, Constructional & Forensic Engineering Broken Down In To 41 Section Plus a new Amazing Method of working Negotiation Techniques That allow you to change their emotions with out them realizing it . (superpower)

Can You Not Afford $17 Dollars Pre Day For A Month To Make $2,000 Per Week And Then Pay Less Then $2 Per Day To Build 1/4 Million a Year.

We Will Help You Find Where Your First Claim And Help You Process It.

So You Can Pay Your Membership Off After You Are Licensed 

Call Us After Signing Up 215-499-8629

Lori Bradshaw

Can You Not Afford $17 Dollars Pre Day For A Month To Make $2,000 Per Week And Then Pay Less Then $2 Per Day To Build 1/4 Million a Year.