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Heartland Association: Shaping the Future of Adjusting
WHAT IS A PUBLIC INSURANCE ADJUSTER AND WHAT DO WE DO?
Public insurance adjusters are experienced professionals who understand the intricacies of insurance policies, coverage, and claim processes. Our expertise ensures that policyholders receive the maximum compensation they are entitled to under their policy.
Fair Appraisal: Insurance companies typically have their own adjusters who assess the damage and determine the settlement amount. Hiring a public insurance adjuster provides a counterbalance, ensuring an unbiased and fair assessment of the damage, which may lead to a more equitable settlement.
Optimized Claim Settlement: Public insurance adjusters work to maximize the settlement amount for policyholders. They use their knowledge to identify all aspects of the claim that should be covered, ensuring that policyholders receive a fair and complete settlement.
NAVIGATING COMPLEX PROCESSES
Filing an insurance claim can be a complex and overwhelming process. A public insurance adjuster guides policyholders through the entire claim process, helping them understand the paperwork, documentation, and necessary steps.
Time and Stress Savings: Dealing with insurance claims can be time-consuming and stressful, especially when trying to recover from a loss. Hiring a public insurance adjuster relieves policyholders of the burden, allowing them to focus on their personal and professional priorities.
Policy Interpretation: Insurance policies can contain complex language and clauses. Public insurance adjusters interpret these policies to ensure that policyholders understand what is covered and what is not, preventing misunderstandings that could result in underpayment.
DOCUMENTATION AND EVIDENCE
Public insurance adjusters understand the importance of thorough documentation and evidence gathering. We can help policyholders compile the necessary proof of loss, which is vital for a successful claim.
Complex or Denied Claims: In cases of complex claims or when an insurance company denies a claim, a public insurance adjuster can play a crucial role. They possess the knowledge and experience to challenge denials and work towards a fair resolution.
Value for Fees: While public insurance adjusters charge a fee for services, the increased settlement that is often secured can far outweigh the cost, resulting in a net gain for the policyholder.
Our Mission: Elevating Public Adjusters in the Midwest
Our Promise to You
The Heartland Association of Public Insurance Adjusters is dedicated to advancing the interests of public adjusters and promoting excellence in the insurance adjusting profession.
Our commitment is to:
- Advocate for Fairness: We advocate for fair and equitable insurance claim settlements, assisting policyholders with the process for receiving proper compensation from the insurance company while upholding the integrity of the insurance industry.
- Professional Development: We provide educational resources, training, and networking opportunities to empower our members to become recognized industry leaders within the market.
- Industry Integrity: We uphold the highest ethical standards in all our interactions and transactions, fostering trust and transparency within the insurance adjusting community.
- Community Engagement: We actively engage with local communities across the Midwest, contributing to disaster preparedness, relief efforts, and public awareness about the importance of insurance protection.
- Collaboration and Innovation: We foster collaboration among our members and industry stakeholders, specifically Appraisers, Attorneys, Contractors, and future Public Insurance Adjusters or other industry professionals within the insurance ecosystem, driving innovation and best practices to adapt to the evolving insurance market.
As the core of the public insurance adjusting profession in the Midwest, we are committed to the well-being of policyholders, our members' development, and the prosperity of the communities we serve.
Together, we strive for excellence in insurance adjusting, ensuring a brighter and more secure future for all.
Meet Your Leadership Team
Angela Andrews, CLMP - president
christina muha, CPLA, CPLU - treasurer
Angela Andrews, CLMP - president
Angela’s impressive resume and background spans from Corporate Management, Systems Administration, to Subject Matter Expert and Expert Witness. As a Public Insurance Adjuster, Angela specializes in Commercial, Large Loss Fire and Water damage claims and owns Green Public Insurance Adjusting based in Gahanna, Ohio.
darrick o'day - secretary
christina muha, CPLA, CPLU - treasurer
Angela Andrews, CLMP - president
Darrick's professional background includes being a licensed MN Qualified Builder, a General Construction Project Lead, and a Real Estate Agent specializing in residential property sales. Darrick has cultivated a strong ethical approach to managing claims, concentrating on determining the accurate amount of loss and prioritizing the precision of claim assessments.
christina muha, CPLA, CPLU - treasurer
christina muha, CPLA, CPLU - treasurer
christina muha, CPLA, CPLU - treasurer
An insurance industry veteran with a background as a large commercial lines insurance agent for 20+ years, Christina has seamlessly transitioned into a public adjusting role. Renowned for her integrity, transparency and approach to claims, Christina works for Public Service Adjusting in Valparaiso, Indiana.