What is an Insurance Adjuster?

A licensed Insurance Claims Expert who handles the evaluation of your damage.
There are two different kinds of Adjusters:
- Company Adjuster – Your Insurance Company assigns their own representative, a Company Adjuster, to determine what they calculate to be the extent of your damage.
- Public Adjuster – The law allows you to hire your own Public Adjuster to help prepare, present and negotiate, the settlement of your claim.

What we do

We are Licensed Pubic Insurance Adjusters in the states of New York and New Jersey. We have offices located in Westchester County, NY and Brooklyn, serving the tri-state area. Additionally, we maintain affiliate relationships throughout the country.
We have over 35 Years of professional experience in Insurance, Business, and Construction, giving us the ability to handle all types of property losses.
We take pride in ensuring that both our Business-owner and Homeowner clients receive the maximum collectible under their Commercial or Homeowner’s policy
To address every element of your claim, so that your settlement will cover all your repairs, we use professional claims adjustment services such as:

Professionals used:	Structural repair estimators Inventory teams Environmentalists/Hygienists Remediation vendors Structural & Mechanical Engineers Furniture Reupholstering & Refinishing Experts Artwork Restorers (Fine Art Appraisers) and other experts as necessary

Why use a Public Adjuster?	To represent your best interests. To make sure that no element of your loss is over-sited or undervalued. To help you avoid making any mistakes that could effect your coverage. To have an experienced professional explain everything, and how things impact your claim.

How much does a Public Adjuster cost?	Public Adjusters earn a percentage of the settlement they recover for you. New York – 12.5%, and New Jersey – 15% (rates regulated by the State’s Insurance Departments) We only get paid if you get paid. Merit Adjusters does not charge a fee on the Additional Living Expenses recovery on Homeowners Losses

It is in your best interest to retain the expert services of Merit Adjusters Inc. from the very beginning of the claim process.
We have extensive experience with the sensitive initial interview process with the Insurance Company’s Adjuster.
It is important for the Company Adjuster to know from the onset that they are dealing with an insurance professional, who is fully versed in the terms and conditions of your policy as well as the entire claim process.