Understanding the Authority of a Public Adjuster

Welcome to Rome Public Adjusting (www.RomePA.com), where our foundation is built on the profound principle that People Are For Caring. If you're facing the daunting process of an insurance claim, or if you're a devoted professional like a plumber looking to better serve your clients during their time of loss, understanding the unique role and significant authority of a Public Adjuster is not just crucial – it's transformative.

At RomePA, founded by, Father David of Rome, we bring over 25 years of experience dedicated to helping individuals and businesses achieve fair, honest, and equitable insurance claim settlements. Rooted deeply in Orthodox values of justice, truth, compassion, and the pursuit of righteousness, we are here to guide you through the complexities of the claims process as your steadfast advocate.

For Homeowners and Businesses: Your Steadfast Advocate in the Claims Journey

When unforeseen disaster strikes – whether it's a burst pipe, the devastation of a storm, fire damage, or any other insured loss – dealing with the immediate aftermath and the subsequent insurance claim can feel utterly overwhelming, like being tossed in a turbulent sea. This is precisely where Rome Public Adjusting steps in as your dedicated advocate, bringing calm to the storm and guiding you to a safe harbor.

But what unique authority do we possess to help you? As licensed and bonded professionals, Public Adjusters are vested with significant legal and practical authority to manage and negotiate your insurance claim directly with the insurance company on your behalf. This means we are empowered to:

• Act Exclusively in Your Best Interest: A Fiduciary Duty of Care. Unlike the insurance company's adjuster, whose primary obligation is to their employer's financial interests, RomePA operates under a fiduciary duty to you, the policyholder. This is paramount. Our singular loyalty is to ensure you receive the maximum fair and just settlement you are rightfully due. This mirrors our Orthodox understanding of selfless service and prioritizing the well-being and dignity of our neighbor above all else, embodying the spirit of philanthropy (love of mankind).

  
  

• Interpret Your Policy with Unwavering Expertise: Upholding Truth and Transparency. Insurance policies are often voluminous, complex, and filled with nuanced legalistic language, designed to be understood by professionals. We possess the authority and deep expertise to meticulously review every clause of your policy, identify all applicable coverages, and explain your rights and entitlements in clear, unambiguous terms. This commitment to clarity upholds the vital principle of Truth and Transparency, ensuring you are never left in the dark.
  

• Assess and Document Your Loss Thoroughly: A Pursuit of Righteousness. We have the legal authority and practical experience to conduct our own independent, detailed assessment of the damages. We often collaborate with trusted, unbiased professionals (engineers, contractors, forensic experts) when necessary. We meticulously document every single aspect of your loss – physical damage, contents, additional living expenses, business interruption – ensuring absolutely nothing is overlooked. This comprehensive approach builds an unassailable foundation for your claim, reflecting our commitment to a holistic, honest, and comprehensive evaluation, in pursuit of what is truly righteous.
  

• Prepare and Submit Your Claim Professionally: Diligence and Good Stewardship. The proper assembly and compelling presentation of all necessary documentation is vital to a successful claim. We shoulder this entire process for you, ensuring all policy requirements are met, deadlines are honored, and your claim is presented effectively and persuasively to the insurer. This embodies Diligence and Good Stewardship, caring for what has been entrusted to you.
  

• Communicate and Negotiate Directly with the Insurance Company: Striving for Restoration and Harmony. Dealing with insurance adjusters, navigating bureaucratic processes, and confronting lowball offers can be immensely stressful. We take this heavy burden off your shoulders, managing all communications and skillfully negotiating for the maximum settlement you are entitled to under your policy. This tireless negotiation strives for Restoration and Harmony in your situation, bringing your life back to its proper order.
  

• Reopen Underpaid or Denied Claims: Persistent Pursuit of Divine Justice. If you feel your claim was unfairly handled, significantly underpaid, or unjustly denied, we have the authority to review your entire case. Where appropriate and justified by the facts and policy, we will work relentlessly to reopen and renegotiate for a more just and righteous outcome. This demonstrates unwavering perseverance and a commitment to Divine Justice and Righteousness, mirroring Saint Nicholas's interventions for the wronged.
  

By entrusting RomePA with your claim, you gain a knowledgeable, compassionate, and unwavering partner who will stand by your side, ensuring your voice is heard, your interests are protected, and you receive what is justly yours throughout the entire process.

For Our Network Partners (Plumbers, Contractors, and Other Professionals): A Collaborative Approach Rooted in Community

At RomePA, we deeply believe in the strength of community and the power of collaboration – reflections of the synergy (co-working) of the Holy Spirit. For dedicated professionals like plumbers, contractors, mold remediators, and other service providers who are often the first responders after a loss, understanding the comprehensive role of a Public Adjuster can be an invaluable asset in serving your clients with excellence and empathy.

By understanding and potentially partnering with RomePA, you can:

• Provide Enhanced Client Support: True Philanthropy. When your clients experience an insured loss, they are often confused, overwhelmed, and financially vulnerable. By understanding the profound benefits of a Public Adjuster and referring them to RomePA, you offer them a crucial resource for navigating the claims process, alleviating their burden, and demonstrating true philanthropy (love of mankind).
  

• Focus on Your Core Expertise: Efficient Stewardship. Instead of getting bogged down in the intricacies and frustrations of insurance claim complexities, you can focus on what you do best – providing expert plumbing, repair, restoration, or other essential services. We handle the insurance side, ensuring your clients have the financial resources to not only pay for your services but to complete all necessary work for a complete restoration. This promotes efficient stewardship of your valuable time and skills.
  

• Streamline the Recovery Process: Hastening Restoration. When RomePA is involved early, we can work collaboratively with you to ensure accurate damage assessments, proper scope of work, and efficient repair approvals. This collaboration leads to a smoother, faster, and more comprehensive recovery for your clients, ultimately hastening their journey back to restoration and harmony.
  

• Build Stronger Client Relationships: Trust and Lasting Bonds. By connecting your clients with a trusted, ethical advocate like RomePA, you demonstrate your profound commitment to their overall well-being and recovery, extending beyond your immediate service. This proactive care fosters stronger, more loyal, and more lasting client relationships, built on mutual trust.
  

Understanding our authority allows you to confidently recommend RomePA as a vital partner for your clients during a challenging and uncertain time. We believe that by working together in the spirit of Christian brotherhood and sisterhood, we can provide truly comprehensive support and ensure the best possible outcome for those in need.

The Authority in Action: Bringing Solutions with Wisdom and Justice

Our authority as licensed Public Adjusters allows us to take a multitude of concrete actions on your behalf, always guided by the principles of wisdom, justice, and ethical conduct. For example, we can:

• Dispute an insurance company's initial low settlement offer based on our independent, thorough damage assessment and expert policy interpretation, ensuring fair valuation.

• Identify hidden or overlooked damages that were not initially included in the insurance company's evaluation, maximizing your recovery.

• Negotiate for full additional living expenses (ALE) coverage when a client is displaced from their home, ensuring their comfort and stability during displacement.

• Challenge policy exclusions that we believe do not apply to the specific circumstances of the loss, advocating for proper coverage.

• Initiate and Represent You in Appraisal: If negotiations with the insurer reach an impasse regarding the amount of loss, we have the authority to invoke the "Appraisal" clause in your policy. This is a common and effective dispute resolution method where an independent appraiser is selected by both parties, and an impartial umpire (chosen by the appraisers) makes a binding decision on the monetary value of the claim. We will expertly prepare your appraisal submission, present your case, and advocate for your interests throughout this process, seeking the most favorable financial outcome.

• Represent You in Arbitration (where applicable): While less common in property claims than appraisal, some policies or agreements may allow for "Arbitration" to resolve disputes about coverage or liability. In such cases, we can prepare and present your claim to an independent arbitrator, acting as your authorized representative to argue for a just and fair decision. This process aims to find a definitive resolution to disputes that prevent a full and fair settlement.
  

These actions, guided by our experience and our unwavering commitment to ethical practices, are all within our purview as licensed Public Adjusters.

Understanding Our Limitations: Maintaining Transparency with Humility

It is also of paramount importance to understand that while our authority is significant and far-reaching, it is not unlimited. As Public Adjusters, in humility and transparency, we cannot:

• Guarantee a specific settlement amount, as the final outcome always depends on the precise specifics of your policy, the nature and extent of the covered loss, and the negotiation process. However, we are committed to meticulously working to maximize your rightful and just settlement.

• Engage in the unauthorized practice of law. Our expertise lies in claims adjustment and negotiation. If legal action becomes necessary, or if there is a fundamental dispute over policy interpretation that requires a court's ruling, we will always advise and guide you to seek the counsel of a qualified attorney.

• Act unethically, immorally, or illegally in pursuing your claim. Our Orthodox values demand the absolute highest standards of integrity, honesty, and righteousness in all our dealings. We will never compromise these principles for any gain. Our pursuit of justice is always within the bounds of what is moral, ethical, and legal.
  

The RomePA Difference: Rooted in Caring, Experience, and Orthodox Phronema

At Rome Public Adjusting, our authority is exercised with a profound sense of responsibility and is entirely guided by the sacred principle that People Are For Caring. Father David's extensive quarter-century of experience, combined with a deep, living commitment to Orthodox values and a true Orthodox phronema (mindset), ensures that every single client receives personalized attention, compassionate guidance, and unwavering advocacy. We strive not just to "adjust" a claim, but to bring wisdom and justice to every situation, treating each individual with the profound care, dignity, and respect they deserve as images of God.

If you are facing the burden of an insurance claim, or if you are a fellow professional seeking to partner with a trusted, ethical advocate for your clients, we invite you to contact Rome Public Adjusting today. Let us put our authority, experience, and Orthodox commitment to work for you, navigating the claims process with confidence, compassion, and true care.