Hello. I work with a bunch of commercial roof contractors. One of our contractors recently had a question come up with a building owner he's working with. It seems that it's not unusual for big public adjuster firms such as Empire Public Adjusters to obtain claim settlements that are 200-300 percent bigger than what their clients were originally offered. However, when a big public adjuster firm does obtain a bigger commercial claim settlement for a client, what tends to happen to the client's insurance premiums thereafter? Do they increase? Does the client lose insurance coverage? Thank you in advance for your input.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.