Protecting Your Home and Business from Fire Winter fire risks in Ohio rise when heating equipment, electrical systems, and seasonal habits converge into dangerous conditions.
A local Ohio hotel’s storm claim exposed a complex issue in insurance litigation — discovering that the insurer, was actually a group of about 20 underwriting companies. The discovery reveals that each entity might need to be named as a defendant, creating a costly and difficult case to manage. This article examines whether public adjusters have a duty to research an insurer’s business structure, or if that responsibility lies with the Policyholder/Agent. It also explores the practical implications of continuing litigation when recovery is limited and costs are high. The takeaway: understanding who truly stands behind the policy is essential before a claim ever reaches court.
Many policyholders approach a public adjuster with the expectation that services should be free or that fees will reduce their ability to complete repairs, but these concerns often stem from fear, misunderstanding of the claims process, and financial stress after a loss. Homeowners frequently assume the insurance company’s adjuster is working on their behalf, leading them to question why they should pay for their own advocate. This mindset can create difficult client relationships, especially when individuals are unwilling to recognize the value a public adjuster brings in identifying overlooked damages, negotiating supplements, and securing a more accurate recovery.
The discussion also raises the question of whether fee-averse clients are a good fit for representation. While some simply need education and reassurance, others exhibit signs of distrust, unrealistic expectations, or resistance to professional guidance—factors that can undermine the entire claims process. Public adjusters must balance compassion with clear boundaries and remain attentive to state consumer-protection rules, especially when working with elderly or vulnerable policyholders.
Understanding a prospective client’s concerns early on helps public adjusters determine whether the relationship is workable and sets the stage for a smoother, more successful claim experience for both parties.
Is now in Kentucky serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.
