Are you experiencing a crisis in your home that has caused large amounts of damage?
Did a pipe burst in your basement? Have you had a fire? Did a bathroom flood and cause water damage throughout the house? Maybe a tree limb fell causing some roof damage? Then you should hire a public insurance adjuster.
Are you now dealing with your homeowner’s insurance company and feeling frustrated with the insurance claim process and what they are willing to cover?
It might be time to consider a certified public adjusters to help you get the compensation you need to get your home back to its pre-disaster condition.
Not sure about a public adjuster or never heard what they do? Read on to learn about the services and benefits of working with a public cases that blew the claim adjuster.
Types of Public Insurance Adjuster
You might not even be aware that there are multiple kinds of adjusters. Many people think when they have a public insurance adjuster, they call the insurance company and an adjuster is sent out from the insurance company.
This adjuster is the first type to consider. This type of adjuster is the insurance claim’s adjuster or staff adjuster. The thing to know about this person is that they work for the insurance company. Their interests are for the insurance company.
An independent adjuster is one who works independently for a variety of companies. Yet, they are still hired by the insurance company to investigate claims on their behalf. Ultimately, they answer to the insurance company, not the person making the claim.
The third type of adjuster is a public adjuster is one who does not work for the insurance company and therefore has a different set of interests.
What Is a Public Insurance Adjuster?
A certified public adjusters, like this public adjuster, is hired by the homeowner instead of an insurance company. Their interests don’t lie with the insurance company but instead with getting you what you need to properly and completely restore your home to its condition before disaster struck.
They have all the skills and insurance expertise of the claim adjuster, often more, yet work on your behalf instead of the insurance company.
Let’s face it, insurance companies do pay out claim money but they don’t like it. They will pay out only the amount they think they can get away with. Their interests are not to pay out any more than absolutely necessary.
Reasons to Hire a Public Adjuster
There are a number of worthwhile reasons to consider hiring a public adjuster instead of using only the claim adjuster from the insurance company. Let’ take a closer look at some of those reasons.
1. Public Adjusters Work for You
Hiring a public life insurance adjuster means they work for you. Their interests are for you and not the insurance company.
There will be no minimizing damage when they are working for you. They will come to look at your damage. They will also do all of the negotiating with the insurance company on your behalf so you don’t feel like you have to tussle with them.
2. Higher Settlement Amount From Claim
The truth is that the insurance company is going to pay you what they must. Not any extra. They are going to pay you what they can get away with.
There might be damages as part of your claim that is not on the surface that you might not even think of.
The certified public adjusters will know to ask for money to cover those hidden things. For example, say you have a flood that affects your kitchen ceiling and floor, and your appliances get wet.
Your public insurance adjuster will know to ask for all the obvious cleanup and repairs. But what about food that was lost or food you can’t prepare because your kitchen is a mess. Your appliances also need professional cleaning now too.
Finding all those hidden things that the insurance company will pay for but not unless you know to ask is what the public insurance adjuster does.
3. Knowledge and Experience
In most states, certified public adjusters must be licensed. They often seek training and professional certification too.
Many adjuster have been contractors themselves and even worked with the insurance companies themselves.
They often have inside knowledge of both the insurance industry and of home construction. You need this combination of skills and experience to look out for your interests when making a claim.
4. Removes Your Emotions From the Claim
It’s hard not to feel pretty emotional when you look at your home in the face of disaster.
You’re facing uncertainty. Things are a mess. You may have even lost items that hold significant value either emotionally or monetarily.
While you are mourning the loss and facing the disaster, the certified public adjusters can be more objective and pragmatic at getting you what you need.
They will approach the situation differently. You look at the mess and think my grandma’s antique lamp is ruined. They can see beyond and look at how to repair your walls, floors, cabinets, etc.
5. Pay From Claim on Contingency
Are you imagining that a public adjuster is out of your budget, that on top of the disaster you are facing, you can’t also afford to pay an adjuster too? Honestly, you might also be thinking why should I pay an adjuster if the insurance company will provide one. (see list above!)
Don’t fret about having to pay a public claim adjuster upfront. Often you give them a small deposit and sign an agreement. Then they work with the insurance to get to an agreeable settlement for everyone.
You pay them from your settlement money. Often they get a small percentage of whatever the claim amount is.
They have a vested interest to make the claim grow as they get a percentage of it in payment. And often the settlements are so much larger than what you’d get from the home insurance claims adjuster that even after you pay the public adjuster you are ahead.
Hiring a Certified Public Adjusters
If you are facing a disaster in your home, consider hiring a public claim adjuster. They can look out for your interests and make sure you get what you deserve from your claim.
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