A disaster can overwhelm and confuse you if you have to file an insurance claim. Many people are unaware that they have the option to hire a public adjuster to help them navigate this complex process. Public adjusters assist policyholders in filing and negotiating insurance claims on their behalf. An insurance company adjuster represents the interests of the insurer, while a public adjuster represents the policyholder’s interests. Your primary goal is to receive the full amount you are entitled to under your insurance policy.
Benefits of hiring a public adjuster
Public adjusters are experts in insurance policies and claim procedures, which is one of the main benefits of working with them. With a adjuster on your side, you can focus on recovery and getting your life back to normal as a public adjuster handles your entire claim process on your behalf.
When to consider hiring a public adjuster
While not every insurance claim requires the services of a public adjuster, there are certain situations where their expertise can be particularly valuable.
- Large or complex claims – If you’ve experienced significant property damage or loss, a public adjuster can help ensure all aspects of your claim are properly addressed.
- Disputed claims – If your insurance company has denied your claim or offered a settlement you believe is unfair, a public adjuster can help you challenge the decision and negotiate for a better outcome.
- Lack of time or expertise – If you feel overwhelmed by the claims process or don’t have the time to handle it yourself, a Public Adjuster can manage everything for you.
How public adjusters work?
When you hire a public adjuster, they typically start by reviewing your insurance policy to understand your coverage. Based on their assessment, the public adjuster will prepare a detailed estimate of the repair costs. They use this information to create a comprehensive claim package to submit to your insurance company.
If you decide to hire a public adjuster, it’s crucial to choose the right one. Look for someone who is licensed in your state and has experience with claims similar to yours. Ask for references and check their reputation with consumer protection agencies.
Be wary of public adjusters who approach you unsolicited immediately after a disaster. Reputable adjusters typically don’t engage in this practice. It’s also a good idea to interview several adjusters before making a decision.
Claims process with a public adjuster
Once you’ve hired a public adjuster, they’ll guide you through the entire claims process.
- Policy review and damage assessment
- Preparation of a detailed claim package
- Submission of the claim to your insurance company
- Negotiation with the insurance company’s adjuster
- Settlement of the claim
Throughout this process, your public adjuster should keep you informed and consult with you on important decisions.
It’s important to note that while public adjusters can be extremely helpful, they are not lawyers. While they come at a cost, their expertise and advocacy can often result in higher settlements that more than offset their fees. Public adjusters are a personal choice based on your circumstances. Whether you choose to work with a public adjuster or handle the claim yourself, being well-informed about the process is key to achieving the best possible outcome from your insurance claim.
