Definition : Insurance - Public claims adjuster

The representative of the insured generally mandated to evaluate the extent of damages, to assist him in the presentation of his claim with the insurer and to negotiate with the claims adjuster mandated by the insurer the amount of the indemnity  to be paid. He must hold a “certificate d’expertise en règlement de sinistres” (expert certificate in settlement of loss) issued by the “Autorité des marches financiers” (Financial Market Authority) and be a member of the “Chambre de l’assurance de dommages” (Damage Insurance Chamber).

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In the event of a claim, the insured, whether a co-owner or a syndicate of co-owners, must declare its occurrence to his insurer. The latter will generally appoint a claims adjuster who will guide him through the steps of the claim. The claims adjuster may also be mandated by syndicates of co-owners. This reality is even more true because of the importance of the insurance deductibles, sometimes unreasonable, that they have to bear, leaving them with all the responsibility of managing the loss. Investigating the circumstances of a disaster, assessing the damage caused by a claim and negotiating a settlement are the three key functions of this certified professional.  
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Effective management of a loss (e.g. water damage and fire) requires the implementation  of prompt and effective actions so that your building is repaired in the best delays. This article is a summary, of the precautions to be taken and a check list of things to do once you become aware of a loss, whether in a private or common portion of your immovable.
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Water damage has just occurred in my private portion. Question: Should I call my insurer, my plumber or my lawyer?
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