There are many benefits to hiring a public adjuster after your home has been damaged by storm damage, fire, or other natural causes. A public adjuster is trained and licensed to get you the maximum payout from your insurance company for damages that were not covered in your policy. The following list of benefits should help you decide if hiring a public adjuster is right for you:
1. Public Adjusters Are Trained And Licensed To Get You Maximum Payment For Your Claim
An insurance claim can be complicated and it’s easy to make mistakes when filing one. Hiring a professional with years of experience simplifies the process and ensures that you don’t miss out on any possible payments that could have been made by your insurance company. Insurance companies often work to minimize their payout on claims, so it’s important to know the correct way to file an insurance claim.
2. They Are Trained To Avoid Fraud
Most people will not try to defraud their insurance company, but some do. A public adjuster knows the tell-tale signs of fraud and can help you avoid it. Public adjusters may also be able to detect small problems before they become big ones, saving you time and money in the future.
3) Working With An Insurance Company Is Less Stressful When You Have Someone On Your Side
Hiring a professional is a good decision if you have been trying to work with your insurance company for a long time or have just received your first offer from them. Hiring a public adjuster is less stressful because they will deal with all communication between you and your insurance company, allowing you time to start rebuilding.
4. Public Adjusters Are Qualified To Get You The Most Money Possible Out Of Your Policy
Insurance companies often low-ball their initial offers when dealing with property damage claims. A professional knows how to get the most money possible out of the policy that you have already purchased. It may seem like hiring a public adjuster would result in paying them more, but it doesn’t always work out that way. Hiring an experienced public adjuster can actually save you money if they are able to pay out more than what your insurance company offers.
5. Public Adjusters Can Help Prevent Fraudulent Claims
Insurance fraud is a growing problem in the United States. Your insurance company has many tools at its disposal to weed out fraudulent claims, but you can help by hiring an experienced public adjuster. They will be able to detect fraudulent claims before they become too costly for everyone involved.
6. Public Adjusters Can Offer Timely Assistance When You Need It Most
When disaster strikes, timing is everything. Hiring a public adjuster as soon as possible ensures that your claim will not be delayed due to lack of paperwork or missing information. While your insurer may be willing to work with you for a few days or weeks after a tragedy, it’s important that you have someone on your side from the beginning so delays don’t cost you more in the long run.
7. Public Adjusters Can Save You Money In The Short And Long Term
Public adjusters are trained to find ways to save you money on your policy, which may include lower premiums or adjustments to the deductible of your home insurance policy. Hiring a public adjuster can save you money in the long term by helping you avoid overpaying into your policy. They can also help you recover some of your expenses when filing a claim, potentially saving you money in the short term as well.
8. Public Adjusters Are Experienced Negotiators With All Insurance Companies
When working with an insurance company, it is important that they are treated fairly but there are times when are made and negotiations need to take place. An experienced public adjuster is able to negotiate on your behalf so you don’t have to feel like you are being taken advantage of.
9. Public Adjusters Offer A Variety Of Services To Their Clients
You may not need help with adjusting the value of your property, but it’s likely that there is at least one thing that will arise when filing a claim for damage to your home. Hiring an experienced public adjuster allows you access to services beyond just helping you file a claim with your insurance company, including dealing with contractors and negotiating repair costs.
10. Insurance Companies Will Work With You When You Have An Experienced Public Adjuster On Your Side
Experienced public adjusters know the best way to handle your claim so insurance companies are more likely to work with you. If an insurer knows that it will be easier to deal with your public adjuster than just dealing directly with you, they are more likely to offer the best possible settlement for your case.
11. Public Adjusters Save You Time
Filing claims can be time consuming and stressful. A professional can handle all of the paperwork involved in filing a damage claim, which gives you more time to rebuild or repair your property.
12. Public Adjusters Can Help With More Than Insurance Claims
Insurance is not always available when tragedy strikes, but there are other ways to help recover from disaster. Whether it’s lending a hand during cleanup or providing financial assistance after a crisis, public adjusters know how to assist in a variety of situations.
13. Public Adjusters Are Available 24/7
Hiring a public adjuster allows you access around the clock. If you have questions about your claim or need help adjusting evidence, an experienced public adjuster is available to answer any questions you may have at any time.
14. Public Adjusters Are Trained In Damage Assessment & Estimates
When making a damage claim, it’s important that insurers understand exactly what happened and why certain things are considered damaged. Your insurance company will want exact estimates for repairs before they agree to pay out on your claim, which is where having someone knowledgeable on your side can be beneficial for all parties involved.
15. Public Adjusters Can Find The Best Solutions For Your Home
Even if you aren’t sure what caused damage to your home, having an experienced public adjuster on your side can help find the right solution. If there was water or fire damage, it’s possible that your insurance company only pays for certain things while other problems are overlooked. An adjuster has access to all resources so they will be able to provide the best resolutions for any problems discovered during assessment.