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I am a Public Adjuster

I feel that I am also a public benefactor, an "angel of mercy"

Here is why. I take the time to actually explain insurance policies, mainly fire and homeowners policies to people who do not understand them. Most people do not know the first thing about their insurance.

I visit some houses that are almost falling down on the owners' head. They feel that they are insured for everything. After all, they pay the premiums. The problem is that even a good policy has restrictions and exclusions. A flood for example requires a specific flood policy and no policy covers the actual pipe itself if there is a plumbing leak (only if the pipe broke due to freezing).

Many people live paycheck to paycheck nowadays. And when a roof leak occurs, the insurance company requires immediate mitigation of the leak, but homeowners can't afford a roofer to put on a tarp. Then they find themselves with a low quality policy which was purchased cheaply at settlement or shortly before which does not cover roof leaks unless the wind first created a hole in the roof, which is not always the case. They might have a low premium, but it's like having health insurance that does not cover a broken leg, only if the leg is severely damaged.

I believe in the saying, "Knowledge is power". If I had the opportunity to educate these people in the limitations of their policy, they would have had a chance to upgrade their policy and save plenty of money in the long run by getting all of their damage reimbursed by their homeowners insurance.

Before you simply buy your homeowner's policy, do some research, ask some questions, explore several different insurance companies to see what each offers, and make an educated choice so that you won't be left out in the cold, or rain, when you need your insurance most.

This article was written with great assistance from Jack Alstein.

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