The Evolution

RECORD 1260915328 FRESH 29 WEEKS 3 DAYS

Public Adjusters “Exclusive Advocates for Policyholders”

The world has changed materially in my lifetime. You have to change with it or lose. You have already lost a large sum with your 401K. Many are losing jobs. People are a large expense and management knows the fastest way to impact the bottom line of a company. They will do all things necessary to protect and produce a profit for stockholders. Hell, their job depends on it. Sorry to say the rewards in $$$’s are so large that fraud, cheating and greed abound at the top of our companies.

When my claims career started the company adjuster had the Mission to satisfy their policyholders by treating them fairly. You literally looked for ways to pay. NO MORE. The insurance carrier looks out for itself and their adjusters are the minions of the carrier….not the policyholder. YOU need your own adjuster to represent you.

The Evolution.

There was a time when property losses were settled quickly by experienced independent adjusters who had sufficient authority to evaluate conditions using few, if any, outside experts. As the insurance industry evolved in the 1970s and 1980s, carriers began to use more and more outside specialists—including forensic accountants, engineers, contractors, testing laboratories, and so forth—to work with their own adjusters in evaluating a claim. Many factors contributed to this evolution, not the least of which was the insurance carriers desire to manage claim settlements using a centralized structure with claim-approval authority residing at the home office and not in the field.

Next came the control of software used in the carriers laptop computers mandated for use by their staff adjusters and independent adjusters. In storms they bring in hundreds of nice guys with little to no experience other then their software computer and they do what they were told to do. Contact everyone promptly and estimate their damage. Do not worry about accuracy. Just do the best you can. We expect supplements later on and we will deal with them. This works a high percentage of the time. People get wore down. The contractors will not accept the estimates. The company say they have paid enough. The estimate did come from a computer. How do you argue with a computer.

The few that do retain Public Adjusters to help them are amazed. We are able to get them much more then the company offered with regularity. Many times that “no” claim becomes a $50,000. recovery. To regain parity in this evolution, insureds today find it increasingly important to employ their own outside consultants to help document and expedite their claims if they are to obtain a satisfactory claim recovery and restore their business operations as quickly and completely as possible.

When disaster strikes, people often try to handle the claim themselves. Or worse, they leave the claim handling up to the insurance company, hoping they will be treated fairly and get paid what they are entitled to under the policy.

Think of it this way … you turn over your taxes to a professional for a $2,000 refund, so why would you attempt to handle a $25,000, $50,000 or even $100,000+ insurance claim yourself? Working your own major loss would be like going to court without an attorney! Now would be the time to contact John Wayne Campbell. We know insurance. More importantly, we know insurance claims. We have engineers. We have Attorneys on retainer in the event they are needed by our clients. We are living in a tough and uncertain world where you have to look at some things differently. The Insurance claim process is one of those elements that has changed.

Call us now or complete the contact template on this site. Be safe..not sorry.

John Wayne Campbell,Sr.
Executive Public Adjuster
Texas License No.1549815
Oklahoma License 40131821
www.johnwaynecampbell.com www.PublicAdjusterAcademy.com
Texas Office:
1121 Doc Holliday Dr.
Anna, TX. 75409214 257 7620
972 816 7813 Cell
480 772 4414 Fax

“Insurer breaches its Duty of Good Faith and Fair Dealing when the insurer fails to settle if insurer knew or should have known that it was Reasonably Clear that the claim was covered. Tex. App.-2008 State Farm Lloyd v Hamilton 365 S.W. 3d 725″