Property owners with a disputed claim often wonder who to call. Here is how the three main options differ.
Insurance appraiser
An appraiser values the loss within the policy's appraisal process. Best when coverage is accepted and the dispute is about scope or price. Result: a binding award on the amount of loss once two of three panel members sign.
Public adjuster
A public adjuster, licensed through the Alaska Division of Insurance, represents the policyholder in preparing and negotiating the claim. Often involved early, from first notice. Usually paid a percentage of the settlement, subject to state rules.
Attorney
An attorney handles legal disputes: denials, coverage questions, bad-faith concerns and lawsuits. If the claim was denied, a deadline is close, or you believe the claim was handled improperly, an Alaska attorney is often the right first call.
Quick guide
- Coverage accepted, number disputed: appraiser, often after an estimate review.
- Large, complex claim from the start: public adjuster.
- Denial, coverage dispute or deadline: attorney.
We will tell you honestly if your situation calls for someone else.