FAQs

No. We are employed exclusively by you - the policyholder - not by an insurance company.

It means that Commonwealth Adjusters acts according to a strict code of ethics ,

You will have the comfort and advantage of expert assistance based on broad experience guiding you through the process. Commonwealth Adjusters relieves you of the many time-consuming and difficult matters involved in preparing and filing a claim - and helps you to receive a prompt and fair settlement.

Yes, but it stands to reason that an accredited, experienced
professional in any field will achieve more rewarding results than a
layperson.

More specifically, Commonwealth Adjusters will assist you in the
preparation of inventories, estimates and other factual proofs of loss.
We will handle all the necessary details for compiling and filing claims,
as required by the terms of your insurance policies. We will also confer,
on your behalf, with insurance company representatives and handle all
matters essential to a proper and satisfactory adjustment.

The typical fire policy contains hundreds of provisions and
stipulations - various forms and riders that are constantly changing and
many complex details about your requirements in case of loss. Most people
do not know or understand these policy provisions - and most do not
realize that the burden of proof is on them, the policyholder. Most
insurance company representatives actually prefer to work with an
experienced, accredited public insurance adjuster rather than an
inexperienced policyholder.

This depends upon the type and amount of insurance you carry. It also
depends on your expertise or the expertise of your representative, not
that of the insurance company\'s adjuster. Many insurance policies may pay
more than the amount shown on the declaration page. A qualified expert
working for you can determine everything to which you are entitled.

Commonwealth Adjusters is your exclusive representative. With our
experience and knowledge we are better able to obtain a more favorable
adjustment for you, the insured.

Your public insurance adjuster assists with every phase of preparing
and presenting your claim, as well as accomplishing an adjustment for you
which is equitable and includes everything to which you are entitled
under your insurance policy.

We take a physical inventory, obtain all pertinent appraisals, and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps about which you may know little or nothing but can make a significant difference in the amount of the final adjustment.

We are the experts to turn to when such matters arise. There may be
many questions and problems as to how the policy provisions can be
applied in different circumstances, and we can apply broad experience and
specialized knowledge to represent your interests in answering such
questions and resolving such problems. It is up to you to prove your
loss, and we can help you do it.

Yes. We lose no time in complying with the policy requirements to
obtain and evaluate the facts and prepare the claim. The alert,
knowledgeable, and prompt service we render often preserves evidence that
may otherwise be overlooked or destroyed. The more thoroughly and
completely your claim is compiled and prepared, the faster your public
insurance adjuster can accomplish an equitable and proper settlement in
your best interest.

Once a policyholder has witnessed the skill and knowledge of the
accredited public insurance adjusters of Commonwealth Adjusters, he or
she will not want to attempt to settle a claim without the benefit of
their specialized assistance. Commonwealth Adjusters\' best source
of new clients is the recommendations of those we have previously
served.

Promptly report the loss to the agent or broker, or directly to the insurance company - and immediately retain the services of Commonwealth Adjusters to serve you.

Yes. We will assist you in any claims you may have due to windstorm, explosion, and any other insured losses that are sustained (inland marine, business interruption, rental income, improvements and betterments, commission and profit, reporting forms, additional expense, etc.).

Fees are contingent upon recovery and on a percentage basis. The percentage can be agreed upon in advance so there are no surprises or misunderstandings after settlement is concluded. We represent YOU, and only you.