When you file an insurance claim, your insurance company will assign an adjuster to review your claim and assess the damage. The adjuster, who is usually an employee of the insurance company, is responsible for determining the amount of compensation you will receive for your claim. Unfortunately, this can often result in a settlement offer that is much lower than you deserve. That’s where a public adjuster comes in.
What is a Public Adjuster?
A public adjuster is a licensed professional who is hired by the policyholder to represent their interests during the insurance claim process. Unlike an insurance company adjuster, a public adjuster works for you and not the insurance company. They will work to ensure that you receive the maximum amount of compensation that you are entitled to under your policy.
It’s important to note that public adjusters can only represent policyholders and not insurance companies. Their job is to ensure that you receive the best possible settlement, not to work with the insurance company to minimize the amount they pay out.
What Does a Public Adjuster Do?
When you hire a public adjuster, they will review your insurance policy, assess the damage to your property, and prepare a detailed estimate of the costs to repair or replace the damage. They will also document the damage by taking photographs and gathering other evidence to support your claim.
Once they have all the necessary information, they will submit your claim to the insurance company and negotiate with the insurance adjuster to ensure that you receive the best possible settlement. They will also handle all communication with the insurance company, relieving you of the stress and frustration of dealing with the claims process on your own.
Why Should You Hire a Public Adjuster?
There are many reasons why you should consider hiring a public adjuster when you file an insurance claim. Here are just a few:
Reasons to Hire a Public Adjuster |
Description |
Professional Experience |
Public adjusters have extensive experience and knowledge of the insurance claim process. They know how to navigate the system and can often negotiate higher settlements than the average policyholder. |
Reduce Stress |
Dealing with the aftermath of a disaster can be extremely stressful. By hiring a public adjuster, you can take some of the burden off of yourself and focus on getting your life back to normal. |
Faster Resolution |
Public adjusters work quickly and efficiently to get your claim resolved as soon as possible. They have the knowledge, resources, and expertise to ensure that your claim is processed quickly and accurately. |
Higher Settlements |
Public adjusters know how to document and present your claim to the insurance company in a way that maximizes your settlement. They work on a contingency fee basis, so they only get paid if you receive a settlement. |
How to Hire a Public Adjuster
If you decide to hire a public adjuster, it’s important to choose the right one. Here are some things to look for:
- Experience: Look for a public adjuster who has experience working on claims similar to yours.
- References: Ask for references from other clients who have used their services.
- Licensing: Make sure the public adjuster is licensed to work in your state.
- Fee Structure: Understand the public adjuster’s fee structure and make sure it is reasonable.
FAQ
What is a public adjuster’s fee?
A public adjuster’s fee is typically a percentage of the settlement amount. This fee can vary, but it is usually between 10-20% of the total settlement.
Can a public adjuster negotiate with my insurance company?
Yes, a public adjuster can negotiate with your insurance company on your behalf. They will work to ensure that you receive the best possible settlement for your claim.
Do I need a public adjuster for every insurance claim?
No, you don’t need to hire a public adjuster for every insurance claim. However, if you have a large loss or a complicated claim, a public adjuster can be extremely helpful in ensuring that you receive the compensation you deserve.
How long does it take to settle an insurance claim with a public adjuster?
The length of time it takes to settle an insurance claim with a public adjuster can vary depending on the complexity of the claim. However, a good public adjuster will work quickly and efficiently to get your claim processed as soon as possible.
Can I hire a public adjuster after my claim has already been settled?
No, once your claim has been settled, you cannot hire a public adjuster to renegotiate your settlement. However, if you feel that you did not receive a fair settlement, you can file a complaint with your state insurance commissioner.
Conclusion
If you want to ensure that you receive the best possible settlement for your insurance claim, hiring a public adjuster is a smart choice. They have the experience, knowledge, and expertise to navigate the claims process and negotiate with the insurance company on your behalf. By hiring a public adjuster, you can reduce stress, save time, and get the compensation you deserve.
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