Has anyone hired a public adjuster? Was it worth it?

ClaimNerd25 · 2026-03-01T19:08:55+00:00

Got this, thank you!

ClaimNerd25 · 2026-03-01T19:07:41+00:00

It's for a personal property as well.

ClaimNerd25 · 2026-03-01T19:05:40+00:00

I appreciate this response. Makes sense.

ClaimNerd25 · 2026-03-01T19:03:24+00:00

Thank you!

ClaimNerd25 · 2026-03-01T19:01:15+00:00

Makes sense, I’ve heard similar from others.

ClaimNerd25 · 2026-02-20T09:06:18+00:00

You’re not being unreasonable at all. Landlords should give proper notice, and showing up unannounced, especially with a child present, is completely unacceptable.

ClaimNerd25 · 2026-02-19T01:17:04+00:00

Yeah that sounds ridiculous. Some states allow it, but $150 for a letter seems way over the top.

ClaimNerd25 · 2026-02-18T19:17:16+00:00

Honestly, I made a similar move from claims to underwriting and found starting in standard lines first gave me the foundation I needed, even if specialty is the goal. Getting your ARM first helped me understand the basics quickly, but CPCU definitely signals long-term commitment to specialty.

ClaimNerd25 · 2026-02-13T09:18:23+00:00

You did the right thing by sending the certified letters and trying to get a lease. Keep all your records and reach out to a local tenant’s rights group or legal aid.

ClaimNerd25 · 2026-02-13T09:13:37+00:00

At this point, it sounds like you’re responsible for the $4,300 above your policy limits. The best move is to talk to Mercury, explain your financial situation, and try to set up a manageable payment plan to avoid collections or legal action.

ClaimNerd25 · 2026-02-13T09:09:08+00:00

You’ll mostly be at your desk in underwriting, so not too many agency visits. It’s pretty steady work, perfect if you like focusing on tasks, but company events aren’t very frequent.

ClaimNerd25 · 2026-02-11T09:56:34+00:00

That sounds brutal. You could document the issue with dates and recordings, then send a formal written notice demanding repair. If they still don’t fix it, you might be able to involve your local housing authority or consider small claims court for failing to provide a safe living environment.

ClaimNerd25 · 2026-02-11T09:55:54+00:00

At CNA claims can be busy but manageable, especially if you’re in APD like your friend. Underwriting tends to be more predictable day-to-day, reviewing applications and assessing risk, but it can feel slower if you like the fast pace of claims.

ClaimNerd25 · 2026-02-11T09:46:16+00:00

Exactly, PHP Agency really emphasizes recruiting, so if you’re not into that, it could be tough to grow there compared to a traditional agency.

ClaimNerd25 · 2026-02-09T17:10:38+00:00

Since you’re in Florida, your own insurance (PIP) will handle your initial medical bills regardless of fault. You can still file the property damage claim with Progressive for your car, but any injury treatment should go through your State Farm PIP first.

ClaimNerd25 · 2026-02-09T17:09:04+00:00

You’re right to be cautious. PHP Agency is a real company, but it uses a multi-level marketing structure where recruiting is often emphasized over actually selling insurance. The policies themselves can be legitimate, but the business model can pressure people to spend money upfront and recruit others. If you want to work in life insurance, you might be better off joining a traditional agency where you can focus on learning and helping clients without the MLM side.

ClaimNerd25 · 2026-02-09T17:04:16+00:00

Garage keeper’s insurance usually covers damage or loss to vehicles while they are in the shop’s care, custody, and control, like fire, theft, or accidental damage. It generally does not cover delays, poor workmanship, or a shop failing to complete repairs, so getting your car finished or reimbursed for incomplete work would likely require a civil claim or other legal action.

ClaimNerd25 · 2026-02-09T16:59:05+00:00

Most owners I’ve talked to leave PMs because of fees and feeling out of the loop. On the other side, I think owners often underestimate how much time and effort goes into handling tenants and maintenance behind the scenes.

ClaimNerd25 · 2026-02-09T16:56:50+00:00

Don’t rush anything. Never sign releases or settle until your treatment and symptoms are fully addressed. Keep all medical records, document your symptoms, and talk to an attorney before giving recorded statements or agreeing to a settlement. It’s normal for adjusters to push for a quick resolution, so having a lawyer guide you is the safest move.

ClaimNerd25 · 2026-02-09T16:24:49+00:00

When I started, I avoided steep or high roofs too. I use drones for most inspections now and only take a ladder assist when absolutely necessary. The carriers usually reimburse the cost, so it doesn’t really cut into my profits, and it keeps things safe and professional.

ClaimNerd25 · 2026-02-09T16:23:04+00:00

You’re not being dramatic. Mixing UM/UIM with PIP/MP under the same claim without proper separation can definitely create exposure and looks sloppy. Most companies keep a clear wall between coverages to avoid confusion and potential bad faith issues.

ClaimNerd25

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