If your house sustained damage in a “sudden and accidental” event you may want to have the expertise of a public claims adjuster in your corner. If the damage was caused by water, a heavy storm, fire or some other event, you will likely file a claim with your insurance company for the funds to make repairs. A reputable public adjusting firm can give you the expert advice you need during the claims process.
You may not know this, but public adjusters are hired by homeowners to work on their behalf to get them a full and fair settlement of their insurance claim. What’s even better is that they work on contingency, so they only get paid when you receive your settlement. You pay no money to retain them and they don’t charge by the hour.
Public adjusters are not employed by insurance companies, they work for their insured client. Insurance companies have their own in-house adjusters who handle claims for their employer, the insurance company. Their job is to either approve and pay the claim or deny it.
What Benefit Does a Public Adjuster Provide a Homeowner?
The National Association of Public Insurance Adjusters explains exactly what public adjusters do, as follows:
An insured property owner will hire a public adjuster to help them get through the claims process. Therefore, a public adjuster has the homeowner’s best interests foremost in their mind. When a homeowner or business owner suffers a loss, it can be very stressful dealing with the insurance company on top of everything else. A public adjuster can eliminate the stress, so that you can focus on taking care of your family and/or running your business.
The typical insurance policy for fire or flood is filled with hundreds of stipulations and provisions, too many forms to count, and a variety of complex requirements like property appraisals and inventory valuations.
Most policyholders have no idea that they have the burden of proving their claim. A reputable public adjuster will understand the insurance business inside and out, they know the process and procedures and can work quickly to get you paid.
Insurance companies are known for their delay tactics and propensity to deny claims. It would definitely be to your advantage to hire a public adjuster to work on your behalf to get your claim paid. There really is no downside to using a public adjuster, in that they work on a contingency basis, so you won’t be out of pocket no matter the outcome.
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