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Why do I need help filing my claim?
1. Filing a claim requires a written, itemized statement of your
losses. You might not realize the extent of your damage and
the Insurance company is NOT obligated to tell you.
2. Filing a claim is tedious and time consuming. The Public
Adjuster can take this burden off your shoulders.
3. You are at the mercy of the insurance company. Keep in
mind, is someone untrained in handling claims, you will be
dealing with insurance "professionals" interested in
minimizing the claim. A Licensed Public Adjuster knows
exactly what it costs to repair the damage, he will realize
damage that the untrained eye will not. A Public Adjuster is
your best defense to insure you get the highest settlement for all
your insurance claims.
Can I re-open my claim if I feel I was under compensated?
You can not re-open your claim but a Public Adjuster can. As long as the claim was under a year ago the claim can be re-opened and renegotiations can start with your insurance company toward a higher settlement. It is always best to call a Public Adjuster from the very beginning because after you have been paid it becomes a bit more difficult to negotiate with the insurance company.
How is a Public Adjuster Compensated?
A Public Adjusters compensation is based on a percentage of your total claim that is paid to you. The Public Adjusters fees are more than covered by the larger settlement he or she has obtained for you. If there was no settlement, there is no fee to you at all!
DO YOU REALLY KNOW WHAT IS COVERED BY YOUR HOME OWNERS INSURANCE POLICY?
Policy Review 
Policy Evaluation:
What you do not know about your policy could be costing you thousands of dollars! Most people do not understand or never have tried to read their insurance policy.
In fact, I'll let you in on a little secret, the insurance companies want to keep you "The Homeowner" in the dark about your coverage. They also know that if you understood your policy, you might be able to identify existing damage in your home that is/would be covered under your homeowners insurance policy.
I don't have to tell you that insurance companies don't always do the right thing, so I am here to make sure the insurance company treats you fairly and you know all the rights as a homeowner.
The Policy Evaluation will offer you the following benefits:
Educate you on how an insurance policy provides coverage. Determine coverages and limitations. Educate you on the insurance process. Ensure policy conditions are met. Educate on the pitfalls of handling your own claim and alling the insurer directly. Show you how I can provide a valuable service. The state of New Jersey knows that the homeowners need representation, so Public Adjusters are Licensed and Bonded through the department of Banking and Insurance to serve you, not the insurance company.
Four questions you should know the answer to immediately. If not, you need a Complimentary Policy Review:
What type of policy do I have? a) HO1 B) HO2 or C) HO3 Do I have ACV or RCV coverage? How many deductibles are actually on my policy? How much coverage do I really have? Home Inspection DON'T SPEND YOUR MONEY MAKING ANOTHER REPAIR OR RENOVATION TO YOUR HOME WITHOUT THIS INSPECTION!!!
Our home inspection is no ordinary inspection. Our representatives have the expertise, experience and training to spot problems that most home and business owners did not even know existed.
A representative will look at the exterior of the building, looking for potential problems along the roof-line and exterior walls. They will go room to room inside the dwelling inspecting closets, walls, flooring, and cabinetry.
Allow us to advise and assist you. Why should you wait to save the money or take out a loan to fix it if it? It may be covered by your policy, even if it happened months ago!
This whole process only takes about 30 minutes and you would learn a great deal about your rights as a homeowner. I am sure that you will find the information extremely valuable and will want me to share this information with your family and friends.
FAQ's 
Frequently Asked Questions
Why haven't I heard about Public Adjusters before today?
Most people do not come into contact with Public Adjusters even though it is a profession that has been around since the 1800's. The reason it is unknown is because unless you need our services or know someone who has used a Public Adjuster you don't hear about us. It is not a highly publicized field. Metro Public Adjustment, Inc. is actively changing this by telling the public who we are and what we do for homeowners and business owners. You do not need to be suffering from property damage to benefit from the services of a Public Adjuster.
Can I re-open my claim if I feel I was under compensated for my claim?
You can't re-open your claim but a Public Adjuster can. As long as the claim was under a year ago the claim can be re-opened and renegotiations can start with your insurance company toward a higher settlement. It is always best to call a Public Adjuster from the very beginning because after you have been paid it becomes a bit more difficult to negotiate with the insurance company.
How long have Public Adjusters been in existence?
Public Adjusters havebeen in existence since the late 1800's
Do all states recognize Public Adjusters and do they need to be Licensed?
Public Adjusters are recognized in 49 states. In the stste of Alabama you have to be an attorney to do what a Public Adjuster does. Most states require Public Adjusters to be Licensed. In New Jersey we are required to be Licensed and Bonded by the Department of Banking and Insurance.
Who do Public Adjusters Represent?
Public Adjusters are advocates for the homeowners and represent the homeowners when they need to submit a claim to the insurance company or if the homeowner feel they were underpaid on a claim a Public Adjuster can re-open the claim.
Why do I need a Public Adjuster to represent me on my small claim?
A Public Adjustment firm has the experience, training and expertise to determine:
Coverage and limitations. Ensure policy conditions are met. Prepare a damage estimate detailing the quantity, description and replacement cost value of the loss. Present the claim properly to the insurance company, handle all phone calls, write letters and obtain experts as needed to support the claim. To insure the property is brought back to pre-loss condition as it is outlined in the policy. We will fight for the full replacement cost to the policy holder, not less expensive repairs and appearance allowances the insurance company often offers. How is a Public Adjuster Compensated?
A Public Adjusters compensation is based on a percentage of your total claim that is paid to you. The Public Adjusters fees are more than covered by the larger settlement he or she has obtained for you. If there was no settlement, there is no fee to you at all!
What do I do now and how do I hire a Public Adjuster?
It is always best to retain the advice of a Public Adjuster before tragedy happens. Schedule an appointment for a Public Adjuster to come to your house for a complimentary policy review and home inspection. Are you properly insured?
Career Opportunities PROPERTY INSPECTORS NEEDED IMMEDIATELY
OCEAN AND MONMOUTH COUNTIES
Full Time & Part Time Positions Available
The Nations largest Public Adjusting Firm has immediate openings for Property Inspectors. The Company has been in business since 1993, does business in 34 States and has offices throughout the country. This privately held Organization is recognized for educating and protecting their clients while offering a premium service that is unmatched by its competitors.
We provide inspection services to:
Residential homes, Rental homes, Renters
Commercial Bldgs., Industrial Locations, Churchs
Condos, FarmsMarine Boiler & MachineryBusiness, All Real Property
About the Job:
Were recruiting for multiple Part/Full-Time opportunities on the Jersey Shore in Monmouth and Ocean Counties for Property Inspector and Claim Representative Positions.
Field Work: Our Representatives drive to personal and commercial properties to explain our service in detail using a flipchart, do a home or property inspection, and review policy information about the property. Property Inspectors will photograph and document any concerning conditions and explain those concerns to the property owner(s). Representatives make their own appointments and work as little or as many hours needed.
Computer Work: Photos and data collected in the field are submitted to the corporate office via our website. Most of the downloading of the information can be completed with a desktop computer so there is no equipment or software to buy.
Compensation: $15,000 $30,000 Part Time / $40,000 - $80,000 Full Time
Your personal compensation and advancement in the organization depends on your dedication and work ethic. This entry level position allows for advancement into Management and Training Positions for the right candidate.
Requirements
•No Experience is necessary since we offer full on the job training.
•Self-motivation and the ability to work independently a plus.
•Must own a PC running windows and internet connection.
•Must have computer literacy and typing skills.
•Must have reliable transportation.
•Must own a cellphone
•Positive Mental Attitude
Interested Individuals please call 732-723-8336 or send an email to schedule a one hour risk freePre Interview and Corporate Presentation.
