When a disaster strikes your home or business, the last thing you want to deal with is getting the runaround from your insurance company. To avoid having to deal with that hassle and with hopes of a full recovery from the insurance company, many homeowners and business owners seek the help of a public adjuster. Insurance companies have their own adjusters, which have their best interest in mind. As a policyholder, you have the right to hire your own public adjuster that will have your best interest in mind and represent you.
A public adjuster is an insurance claims specialist who works for you, the policyholder. We interpret your insurance policy, assess the damage and negotiate with the insurance company on your behalf until the claim is settled. We help evaluate damage and rebuilding costs, track the flow of insurance payments and amounts due, and work with insurance companies to expedite our clients’ insurance claims.
Some people decide to hire a public adjuster because they do not have the time to deal with the insurance claim process or because the claim is not being handled properly. The general rule of thumb is if you estimate you have losses of $10,000 or more, it’s probably wise to hire a public adjuster, but it really depends on your circumstances and how the insurance company is reacting to your claim. If your adjuster does not return calls or answer questions properly, or if you think the adjuster left any damages off your claim, you should probably hire your own public adjuster. There are deadlines for filing documentation and we will make sure that every deadline is met.
When you begin searching for a public adjuster, there are a few things to keep in mind:
-Public Adjusters are licensed by state departments of insurance. These are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
-Holding a license in one state only permits the licensed public adjuster to practice in that state.
-The best form of advertisement is “word of mouth” whether it is good or bad. Always check the public adjuster’s website, get a reference list, talk to some of their clients and read their testimonials.
-Always check helpful review websites such as: The Better Business Bureau, Angie’s List, etc.
-It’s also helpful to check with your state’s department of insurance to see if there are any complaints filed against the public adjuster you’re about to hire.
-Insurance adjusters do not look for damage. They only know what you point out to them or what is obvious. Our public adjusters will do a thorough investigation and make sure every type of damage is documented.
If you have suffered a loss, time is of the essence and we will work quickly to expedite the claim process. The sooner we are involved with the loss the better. If you have any questions concerning your claim feel free to call us 1-866-467-5732.