Disaster strikes us in ways we can’t predict and sometimes our treasured possessions are destroyed or damaged after fire. Have you ever encountered loss from a disaster like fire or flood at your home?
Experiencing property damage may find you in a position where you need to make critical decisions when filing an insurance claim, what to do and how to navigate it. It puts you in a very stressful situation.
But the good news is – you don’t have to go through this process alone.
Most people start by calling their insurance agent and providing all the details regarding the property loss. The next step that is worth considering could be contacting a public insurance adjuster.
Who Is A Public Adjuster?
A public adjuster is a licensed independent insurance professional who works on behalf of the policyholder to settle an insurance claim. A public adjuster has no relationship with your insurance provider.
They work for you, the policyholder. Its common in the United States for them to charge fees of up to 15% of the insurance settlement for the services they provide.
Why You Might Need A Public Adjuster
Suppose you need to make a total loss claim, a public adjuster may help you receive a larger sum from your insurance provider to repair the damaged property.
In some cases, insurance companies offer adjuster as part of insurance benefits. This might be welcome but worth considering with a keen eye. You may find that the one you are offered does not have your best interests at heart. In such cases, you may need to hire a public adjuster to get a fair claim settlement.
You may also want to hire a public adjuster because you don’t have the time to research all the ins and outs of your claim, in particularly complex cases. Working with a public adjuster will help you to understand the labryinthine documents.
What to Consider When Hiring A Public Adjuster
Filing a property damage insurance claim may affect your future insurance rates, especially when it comes to disastrous situations. Therefore it is vital to consider the experience of the adjuster. We offer these tips to consider when going through the process.
Look at The Qualifications and References
Before you hire a public adjuster, ensure that they are licensed in the same state you experienced loss. Ask the public adjuster to provide you with at least three references for claims they has successfully handled.
·Ensure You Understand Your Contract
Before you put down your signature, ensure you fully understand your contract. Avoid a public adjuster who forces you to make decisions under pressure.
Benefits of Hiring Public Adjuster
1. It Saves You Time
Remember these people are professionals. They are experienced in insurance practices. They will handle every step of the whole process of filing your insurance claim. This gives you time to focus on your family responsibilities.
2. It Reduces Stress
Hiring a public adjuster gives you peace of mind knowing that everything will be sorted in no time. As your expert advisor, they remain by your side throughout the process. Through this, they ensure you get the best possible outcome as they generally work with a team of insurance professionals. This allows for all the details to be captured, documented, and well represented for great results.
Overall, hiring a public adjuster can prove to be a wonderful service to save you headaches on complicated claims, that is, if you’re willing to pay them their cut. However, even if you do end up hiring a public adjuster, ensure you understand the claims process. Claims may be complicated but a solid foundation of your case will do nothing but help you get the most out of your claim and recover from your damages.