GaryPennington.com - FAQ

Q & A

What is a Public Adjuster or Loss Consultant?

Public Adjusters or Loss Consultants are employed exclusively by property owners or policyholders who have sustained a loss that would be covered by an insurance contract or policy. Public Adjusters handle every detail of a claim, working closely with the insured to provide the most reasonable and timely settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Public adjusters are the only type of insurance adjuster who works exclusively for you, the policyholder.

There are basically three types of "insurance adjusters". They are...


A company adjuster (often referred to as simply the "insurance adjuster") works directly for the insurance company, usually as an employee.

An independent adjuster also works for insurance companies, but as an independent contractor. Independents do not work for policyholders. They are simply an independent agent rather than an employee. An independent adjuster could work for more than one insurance company.

A public adjuster or loss consultant, such as Pennington & Associates, is the only kind of adjuster that works exclusively for policyholders and not for insurance companies. This means there’s no conflict of interest when it comes to advocating on your behalf to the insurance company.

Public adjusters will typically contact you after a disaster. It’s important for you to know what to ask so you can distinguish established and trustworthy firms from all the others.

Why do I need the services of Pennington & Associates?

The highly stressful period following a loss is a difficult time for owners of property and businesses. You deserve the best experienced and skilled professional representing you and your claim to your insurance company. Pennington & Associates will provide to you extensive knowledge and technical expertise necessary to effectively deal with your insurance carrier relative to all aspects of your claim. This includes: determining your policy coverage, making sure you claim all that you are entitled to under your policy. We fully document your claim and present it to the insurance company for their consideration, and work with them to obtain for you the best possible settlement.

Pennington & Associates can take the major headaches away and let you get back to your home or business. A typical insurance policy contains hundreds of requirements and conditions, various forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. In many states, policyholders have the burden of proof when it comes to presenting an insurance claim. Pennington & Associates are well acquainted with the insurance business and are familiar with insurance claim procedures so they can work speedily to expedite the process and get the money your need to satisfy your loss.

What kind of claims can Pennington & Associates help with?

Pennington & Associates is capable of handling many types of insurance claims for damages to your building and/or personal property, in both residential and commercial settings.

A sampling of the types of residential or business losses Pennington & Associates can assist with:
Flood
Collapse
Fire
Explosion
Hurricane and wind damage
Riot or civil commotion
Smoke damage
Vandalism or theft

Often, physical damage loss can trigger numerous additional losses for businesses. We also handle business interruption claims, loss of rental income claims, extra expense claims and additional living expense claims, and leasehold interest just to name a few.

When should I call Pennington & Associates?

Pennington & Associates should be contacted as soon as possible following a loss. We will promptly arrange to meet with you to view the loss, review your insurance coverage, coordinate any necessary emergency services, and discuss with you the details of your claim. If you are already involved in a claim and you think you may need additional help call us immediately and we will be happy to arrange a review of your claim and make recommendations. Our number to contact us is 866-651-0300.

Can I settle my own insurance claim?

Yes you can, however, many property owners are not familiar with the claims process and may be at a great disadvantage when it comes to working with an insurance adjuster from his or her insurance company. When it comes to making a claim for damages, experience and knowledge is the key.

How and when is Pennington & Associates paid?

We charge a small percentage of the settlement of your claim, which is established at the very beginning of the adjustment process and agreed to by you. We are paid when you receive your insurance proceeds. By seeking to maximize your settlement, Pennington & Associates services can save you the cost of their fees, at the very least.

What if I have additional questions or need to speak to someone about a claim?

Call us at 866-651-0300 or email us with your questions or concerns.

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