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So how do you become a trained adjuster? There are a number of training and certification programs that provide instruction in the insurances polices, and public adjusters who are certified to teach consumers the insurances rules and regulations in detail. These trainers and trainers do have a fee associated with their programs. However, they are professionals who are in practice for a living, they are compensated for their time, and they take professional pride in their educations and their programs.
What does the public insurance adjuster do? A public adjuster is responsible for negotiating settlements, and they represent the consumer in all negotiations. This may be as simple as requesting payment from an insurance company as a last resort, requesting payment from a payment plan, requesting payment from a payment deferral, requesting payment from an extension of the policy or requesting payment from a lapse in the policy. If you do not have a valid claim, you will not receive any payment.
In order to be a successful public adjuster, you must be a good listener. You must be tactful, and it is very important that you do not lose your temper. An adjuster is a valuable commodity in a business, and your ability to calm a consumer in difficult situations will be the difference between you, and the loss of your job. A well informed adjuster is a good adjuster.
In the world of consumer credit, this will be important to both you and the consumer. If you are not good at this, you may not be as well informed as you should be. If you are not tactful, you may not calm an angry consumer.
A public adjuster may have the need to call customer service, as this is the final forum for the consumer, so they may not have the professional pride in their call for payment. They may have the need to make a complaint if they feel their rights have been infringed upon. This is the final forum in a consumer’s mind and must be handled carefully. If it is a personal claim, then it will be in the personal account. It may be in the credit card statement, or it may be by making an online payment to a friend, or it may be in the telephone.
Your responsibility as a public adjuster will be to make sure you have checked all your rights as a consumer, including making a complaint, and you are polite to the consumer.
As a consumer, there are plenty of rights, and you should know your rights. If you do not have your rights, make sure you look up your rights online, and do not jump into a fight with a credit card issuer, as you will lose! You may lose your credit card, lose your home, or your business. Always speak calmly, and do not over use swear words, as this will be a public relations disaster.
If you are the adjuster you should know if the adjuster is being reasonable, and do not fall into the trap of not giving an unreasonable claim. Most of the time, if the adjuster has received a reasonable claim and has been told it is not reasonable, he will give you the amount you are owed. Most times you will receive less than you are owed and the adjuster should have the final say on the claim.
So don’t be rude, and listen to the adjuster because he is trying to do right by you, and do the right thing by the consumer, by giving the consumer what they are owed.
