Frequently Asked Questions
What is an NDA Advocate?
An NDA Advocate is an insurance claims professional who works solely for you and will work directly with your insurance company’s adjuster to settle your claim. Your Advocate will be a licensed Public Adjuster or an insurance claims professional who has years of experience in dealing with natural disaster property claims. Your Advocate will make sense of highly complicated property insurance policies so that you, the insured, have the best chance of obtaining the optimal result under the terms of your policy.
What is a public insurance adjuster?
A Public Insurance Adjuster sometimes referred to as PA or PIA, represents you, the policyholder. Your PA prepares, presents and settles a home (or business) property insurance claim. A qualified PA has specialized expertise that can simplify and speed up the complicated, time-consuming process of settling a claim for property damage from wildfire, windstorm, hail, floods, hurricanes, and other disasters covered under the terms of your policy. Of course, you are the final authority. Your claim is never settled without your approval.
Who does the public insurance adjuster work for?
An NDA Advocate (PA) works only for you—not an insurance company, not a roofing company, not a repair company, or general contractor. Public Adjusters are licensed by each state to represent policyholders as their claims advocate.
Why should I use an NDA Advocate?
When handling your claim for property loss, insurance companies use their own licensed claims adjusters or sometimes contract with licensed Independent Adjusters. Their job is to represent the insurance company’s interests.
Insurance policies require the policyholder (YOU) to document and prove your loss to the insurance company. Few people have the necessary expertise or experience to meet that burden.
An NDA Advocate understands insurance policies. They know about things like current replacement costs, property repair, business income loss, and other elements of property loss that are critical to getting a fair and proper settlement.
What should I expect my NDA Advocate to do?
- Carefully review your insurance policy. Insurance policies can be long, detailed and difficult to understand. Policies can change from year to year and often require that insurance claims meet specific conditions. Not meeting the conditions can result in your claim being denied or reduced payments for the property loss. Our Advocate makes sure that a claim meets all the requirements of your policy.
- Thoroughly document your loss. The Advocate will assist in preparing your claim, including all estimates, inventories, photographs, and other factual information that is required to prove the extent of your loss. They can inspect your property loss and submit proof of loss to your insurance company.
- Work with the insurance company adjuster to agree on the proper amount owed to you. Usually, the Advocate and company adjuster settle the claim without the need for litigation instead of controversy.
How much do public adjusters charge?
A responsible public adjuster usually bases his or her fee on a percentage of the final settlement—based on the time, energy, and expertise required to effectively represent you. Important: In Texas, a PA’s fee is capped at 10% of the settlement of the claim.
Fees are negotiable but are consistently set towards 10%. They are usually based on the size, location, and complexity of the property loss. Some public adjusters charge flat or hourly rates, but the total fee may not exceed 10% of the settlement you receive from the insurance company. NDA’s model allows you to keep 100% of your settlement
How much does NDA charge?
NDA charges our members an affordable, monthly subscription of $9.95 for access to the best advocates to assist your unique claims needs and allows you to keep 100% of your settlement. Example: $100,000 settlement you keep $100,000 instead of paying a public adjuster $10,000.
Are there any other fees?
For the Advocate, no – $9.95/mo is all you pay. You do not pay any other fees and you keep 100% of your settlement amount.
For services outside of the advocate like engineers, subcontractors, attorneys there could be other charges. These are not covered by the subscription and may or may not be covered by your policy.
What if my contractor offers to handle my insurance claim?
It is against the law for contractors – including roofing and restoration contractors – to negotiate your claim with your insurance company. Contractors may not hire adjusters to handle your claim.
Insurance adjusting requires special training and in most states a special license issued by the Department Of Insurance, a highly regulated industry.
How quickly can I be covered?
It takes 15 days from the date of purchase of the membership until the services become available.
What is considered a natural disaster?
NDA considers all of the following to be natural disasters: hurricanes, tornadoes, lightning strikes, flooding, windstorms, earthquakes, damaging hail and wildfires. See What We Cover. It is important to note that while NDA considers all of the above to be natural disasters. However, if your policy does not cover the specific cause of damage your insurance company, in most cases, is not liable.