FAQ’s

Time is of essence and decisions need to be made and action taken, for the following reasons: stabilize your property, rebuild, replace or relocate; to continue business and maintain clientele: to properly and effectively prepare your insurance claim and to document your loss all while dealing with the insurance company.

An insurance policy is a contract which has very technical language and complicated procedures which must be followed. The insurance policy must be carefully analyzed by an expert to ensure that no aspect of coverage is overlooked and that you, the Insured, will receive your maximum entitlements allowed under the policy.

A public adjuster is a qualified insurance specialist who represents you in dealing with the insurance company. A Public Adjuster will assist you in preparing, filing and adjusting your insurance claims.

Insurance company adjusters are trained professionals who represent the interests of the Insurance Company. The Insurance companies offer to pay what is due as they see fit. That is like allowing an Internal Revenue Agent compute your income taxes. Public Adjusters are your exclusive representatives. As a claim expert looking out for your interests, you have a skilled professional fighting in your corner. As your Public Adjuster, Musick Loss Management, Inc. will relieve you of the many time consuming and difficult matters involved in preparing and filing a claim as well as ensuring you of a proper settlement. Musick Loss Management, Inc. strongly urges client to not take the risk of possibly losing out on thousands of dollars you may be entitled to.

Your insurance company requires that certain conditions must be met, such as filing a sworn Statement in Proof of Loss in allotted amount of time. Submission of personal or business records without an expert reviewing such information can have a detrimental result on the Insured’s potential recovery. A Public Adjuster will prepare and present the claim in a way that fulfills the technicalities that derail the amateur claim filer. Furthermore, the burden of proof is on the Insured to prove the extent of their losses. A Public Adjuster will ensure that this burden is satisfied thereby maximizing your recovery.

The Public Adjuster should be licensed and bonded. Also, you should ascertain if the Public Adjuster has prior professional

credentials; is a member of any trade associations, and has numerous references that are available upon request. Musick Loss Management, Inc. is a licensed and bonded Public Adjusting firm licensed to represent clients in Illinois and other states. Musick Loss Management associates are seasoned professionals having consulted and represented Insured clients in variety of loss situations. Furthermore, Musick Loss Management, Inc. is a member of the Better Business Bureau, AMPIA, AAPIA, and the ICRC.

One of the many benefits Musick Loss Management has to offer, is that our organization can handle most complicated claim scenarios. Our veteran staff has handled a wide variety of claims, ranging from standard fire losses to devastating natural disasters.

The policy of insurance is very complex and the coverage’s and policy provisions are often very difficult to understand such as co-insurance, actual cash value, business interruption, period of indemnifications, or improvements and betterments. There are many questions and problems as to how the policy provisions-can be applied in different circumstances. Many insurance companies’ representatives actually prefer to work with an experienced Public Adjuster rather than directly with the Insured. In cases where an Insurance Adjuster offers objections to hiring a Public Adjuster, or indicates that you really do not need your own representative, this should immediately alert you to the fact that they may be trying to avoid another professional inspecting their work. The insurance carrier has hired their adjuster to look out for their interest…. Why shouldn’t you?

Our Public Adjusters will work closely with you and properly prepare and file your claim to prove the extent of your loss as required under the policy of insurance. The more thoroughly and complete your claim is documented and prepared, the quicker your Public Adjuster can obtain a settlement in your most favorable interests. The philosophy of Musick Loss Management is to work in conjunction with our clients and their insurance providers, while restoring our client’s business, personal livelihood and maximizing their insurance settlement.

A Public Adjuster’s compensation is based typically on a percentage of the total amounts we were able to collect for you and your family. The additional recovery you obtain by using a Public Adjuster will more than make up for the cost of our services. In Addition, Musick Loss Management, Inc. insures their clients that all of the details of the claim will be handled by our professionals, which allows our clients to focus in on their priorities.