Why Hire A Public Claims Adjuster?

Most people who have damage to their property do not understand how to proceed with a property insurance claim. Policyholders will call their insurance company to file the claim after any loss, such as a fire, flood, sinkhole, or hurricane. The insurance company will then assign an insurance adjuster to the claim and the adjuster will meet with the policyholder. Many policyholders believe that this adjuster is there to advocate for them, the homeowner or business owner. However, this presumption is not accurate. The insurance adjuster’s first allegiance is always to the insurance company.

Often times, this company adjuster is a staff member of the insurance company or has been hired as an independent adjuster for the insurance company. In both of these scenarios, the adjuster represents the interests of the insurance company first, and the policyholder second. This can lead to a conflict of interest, where the adjuster may be more focused on minimizing the insurance company’s payout rather than ensuring the policyholder receives fair compensation for their loss.

So how can a policyholder level the playing field? One way is to hire an experienced and well respected Public Claims Adjuster. A Public Adjuster will ALWAYS and only represent the interests of the policyholder. It is a Public Adjuster’s job to zealously advocate on behalf of the insurance policyholder. They work tirelessly to ensure that their clients receive the maximum compensation they’re entitled to under their policy.

1. Experience and Expertise: Unlike a typical policyholder, a Public Adjuster has experience filing insurance claims, technical insurance knowledge, and expertise in the insurance field.
2. Negotiation Skills: An insurance claim is essentially an ongoing negotiation with the insurance company. A Public Adjuster will be more capable of achieving a greater insurance claim settlement for the policyholder due to their reputation and relationships with company adjusters.
3. Proper Documentation: Public Adjusters know how to properly prepare claim documentation such as a scope and estimate of damage.
4. Policy Knowledge: They have extensive knowledge about the insurance policy and how to interpret the very complicated language of the policy.

Public Adjusters are trained professionals who understand the intricacies of property damage assessment, policy interpretation, and claim negotiation. They can identify hidden damages that might be overlooked by the untrained eye, ensuring that all aspects of the loss are properly documented and included in the claim. This comprehensive approach often results in higher settlements for policyholders.

Moreover, hiring a Public Adjuster can save policyholders valuable time and reduce stress during an already difficult period. Dealing with property damage is stressful enough without having to navigate the complex world of insurance claims. A Public Adjuster takes on this burden, allowing the policyholder to focus on getting their life back to normal.

Despite their valuable role in the insurance claims process, public adjusters are often misunderstood. Let’s address some common misconceptions:

1. Public adjusters are too expensive: Many believe hiring a public adjuster will cost them more than it’s worth. In reality, public adjusters typically work on a contingency basis, meaning they only get paid if you receive a settlement. Their fee is usually a small percentage of the increased settlement amount they secure for you.
2. Insurance companies won’t work with public adjusters: Some fear that involving a public adjuster will antagonize their insurance company. On the contrary, most insurance companies are accustomed to working with public adjusters and often appreciate their professional approach to claims.
3. Public adjusters are only for large claims: While public adjusters can be particularly beneficial for complex or high-value claims, they can add value to claims of all sizes. Even for smaller claims, their expertise can often result in a higher settlement that more than covers their fee.
4. Hiring a public adjuster will delay the claims process: Many worry that bringing in a public adjuster will slow things down. In fact, public adjusters often expedite the process by providing thorough, accurate documentation from the start, reducing back-and-forth with the insurance company.
5. You can handle the claim yourself just as effectively: While it’s true that policyholders can file claims themselves, navigating the complexities of insurance policies and negotiating with experienced insurance adjusters can be challenging. Public adjusters leverage years of experience and specialized knowledge to help you secure a fair insurance settlement.

By understanding the true value of public adjusters, policyholders can make informed decisions about their insurance claims and ensure they receive the compensation they deserve.

Call us for a free evaluation. We’ll be happy to provide you with all the support you need!

Our dedicated team of seasoned Public Adjusters stands ready to evaluate your case, outline your available options, and shepherd you through every step of the claims process. Don’t leave money on the table or settle for less than you deserve.

Let us help you get the fair compensation you’re entitled to under your insurance policy.