| Q: If I have already received a payment for my insurance claim, can I still use a Public Adjuster? |
| A: Yes. You are entitled to receive the maximum amount of coverage for your loss. We will re-open the claim and fight to recover the full amount you are entitled to under the policy |
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| Q: Am I better off using a Public Adjuster after I see what offer I get from my insurance company? |
| A: NO! The average individual does not understand the claim process and often supplies incorrect
information which can be held against the insured, in some cases even causing a denial of the
claim. By using Horizon, we make certain that everything is correctly presented. |
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| Q: Does Horizon take care of the repairs to my property? |
A: We are not allowed by law to do so. A Public Adjuster is prohibited from hiring any company to
do repairs to a loss. |
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Q: Can my insurance cancel me if I file a claim with a Public Adjuster? |
A: By state law an insurance company cannot cancel your policy. All insurance companies have the
right not to renew a policy. Your policy clearly states your right to file a claim; this is why you have
insurance. |
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| Q: How do I know if I am covered for a loss? |
A: A Horizon loss consultant will review your policy for coverage before filing a claim. |
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| Q: What if I have been denied a claim? |
A: We will review your claim and in most cases can re-open the claim including invoking appraisal. |
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| Q: What if I don’t have a claim, do I still need a Public Adjuster? |
A: Yes. We will review your policy at no charge and make recommendations for you to discuss with
your agent. Horizon Public Adjusters is not an insurance agency, we do not sell insurance. We
provide this complimentary service as an introduction to us in the event you may have a insurance
loss one day.
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