Why Hire a Public Adder and its needs?
You have seen the Television commercials warning you ‘to not talk to the insurance adder’. Lawyers and public adders caution the public that insurers have their lawyers fighting for them and you will need a lawyer or public adder fighting for you but there is a big difference between a lawyer and a PA… Attorneys need to graduate school, attend 3 years of law school and pass a rigorous state bar exam. During the 2004-2005 Storms the University of Central Miami received call after call from candidates, especially in South Miami, who wanted to qualify for a 3-20 license.
When callers were asked if they had any claims experience, it was frequently true that the new candidate was likely to function as a ‘sales person’ instead of an adder, but they had a permit to solicit customers
What that meant was the new licensee was going to call on disaster victims seeking to sell them on a PA company’s services. Making that sale meant that the sales person would be Public adjuster miami a proportion of any insurance recovery.
Now attorneys are not allowed to go to someone’s home and solicit customers, so the question must be raised, why does Miami allow Public Adders to solicit customers in person Honestly, there is absolutely no great response to that question.
Disaster victims are Vulnerable and for this reason, attorneys may not engage in solicitation. Public Adders assert that property owners want that information, but the exact same argument could be made for legal services also.
Licensing and Apprenticeship
As of January 1, 2009, new licensee candidates will no longer be allowed to only take the state licensing exam. They will be asked to serve a 12 month apprenticeship under the guidance of a licensed 3-20 Adder. Sounds good, except there is not any requirement that any certified PA actually give an apprenticeship.
The Catch 22 is that while New Public Adders should serve an apprenticeship, there are not likely to be many, if any at all, accessible. PA’s are not required to really provide apprenticeships to new applicants. If there are no or few apprenticeships, there will be no new public adders competing with existing companies for those contingency fees.
Attorneys Vs Public Adders
Why would a home owner employ a PA as opposed to a lawyer Public adders will assert that they understand the claims procedure better than attorneys This might be true in some cases, since some public adders come from an extensive claims history, however many do not.