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Why you need a public adjuster

Benefits of Hiring a Public Adjuster

Public Adjuster

Benefits of Hiring a Public Adjuster

Hiring a public adjuster can be highly beneficial in the event of a property damage claim, particularly when dealing with insurance companies. A public adjuster is a licensed professional who works on behalf of the policyholder (the property owner) rather than the insurance company. Here are several reasons why hiring a public adjuster can be advantageous:

1. Expert Knowledge of Insurance Policies

  • Understanding Coverage: Public adjusters are experts in reading and interpreting complex insurance policies. They can help you understand the fine print and ensure you’re fully aware of the coverage and exclusions in your policy.
  • Policy Details: They know how to properly assess damages and how to file the claim to restore you to pre-loss condition. Often, policyholders miss out on money due to underreporting or misinterpreting damages.

2. Time and Stress Savings

  • Managing the Claim: Filing an insurance claim can be a time-consuming and stressful process, especially if you’re dealing with extensive damage. A public adjuster handles all aspects of the claim, from documentation to negotiations, freeing up your time and reducing stress.
  • Dealing with Insurance Adjusters: Insurance companies often have their own adjusters who work for the insurer’s interests. A public adjuster represents your interests and manages the back-and-forth, ensuring that you don’t have to deal with the complexities alone.

3. Detailed Damage Assessment

  • Thorough Evaluation: Public adjusters conduct a detailed, independent assessment of the damages, often uncovering hidden or overlooked damages that the insurance company’s adjuster may not have identified.
  • In-depth Offer Review: Insurance companies might initially offer a quick fix settlement, which may not reflect the full extent of the damage. A public adjuster can help negotiate a more accurate, fair, and comprehensive settlement.

4. Accurate Settlement Afforded by the Policy

  • Full and Fair Settlement: Advocate for the homeowner to receive what is fair and owed based on their policy. Providing honest, transparent and diligent work that provides the homeowner with confidence.
  • Negotiation Skills: With experience in negotiating with insurance companies, public adjusters are often more effective at securing a more thorough and fair compensation.

5. Handling Complex Claims

  • Specialized Knowledge: Public adjusters are especially useful for complex claims, such as those involving extensive damage, business interruptions or liability issues. They have the technical expertise to evaluate and present complicated claims in a way that insurance companies can understand and accept.
  • Legal and Documentation Expertise: They are skilled in preparing and submitting the necessary documentation, including evidence of damages, estimates and other required paperwork.

6. Advocacy for Policyholders

  • Objective Representation: Public adjusters are hired to work for the policyholder’s best interest, as opposed to an insurance company’s adjuster, who is working for the insurance company’s profit. They advocate on your behalf and ensure you’re treated fairly.
  • Dispute Resolution: If there’s a dispute or if the claim is denied, a public adjuster can help you contest the decision and work toward resolving the issue, sometimes through mediation or legal channels.

7. Fee Structure

  • Contingency-Based Fees: Public adjusters work on a contingency fee basis, meaning they only get paid if you receive a settlement. Typically, their fee is a percentage of the settlement, proving their passion to return homeowners to their full pre-loss condition.

8. Peace of Mind

  • Expert Guidance: Dealing with the aftermath of a disaster can be overwhelming and having a professional public adjuster by your side can provide peace of mind. They take the burden of the claims process off your shoulders and hire a public adjuster to guide you through each step.