Experiencing property issues and damages is stressful enough as is without having to worry about dealing with your insurance company. However, in order to get the financial compensation you’re owed and be able to fix the damages easier, filing an insurance claim is the only way to go. If only there were a way to get somebody else to do it for you. Well, you’re in luck!
You can turn to public adjusters if you want your insurance claim handled professionally and quickly. But if you’ve never heard of public adjusters or aren’t sure exactly what their role is, don’t worry. We’re about to explain who they are, what they do, and when you should hire a public adjuster. So, keep reading to learn more.
What Is a Public Claims Adjuster?
Simply put, a public adjuster is a professional who specializes in assessing and negotiating insurance claims. When you hire a public adjuster, they will review your policy to determine the amount of coverage you’re owed. They will then work with your insurance company to help ensure that your claim is settled as quickly as possible and for an amount that reflects what’s really owed to you.
The Role of a Public Adjuster in the Insurance Claims Process
What does a public adjuster do? Well, their job is to help you get the most out of your insurance policy. They will assess your situation, review all relevant documentation and use their expertise to make sure that any claim filed on your behalf is accurate and reflects what you are actually owed in damages.
Public adjusters typically offer three important services: filing the insurance claim, negotiating with your insurance company, and representing you in court if necessary.
- When it comes to filing an insurance claim, a public adjuster can help prepare all of the required paperwork on your behalf. They can also help you ensure that everything is filled out accurately, which is important for getting the settlement amount you deserve.
- When negotiating with your insurance company, public adjusters can work on your behalf to ensure that all the details are taken care of and that you get a fair settlement. This includes gathering the necessary evidence, speaking to witnesses, and documenting the damages.
- Finally, public adjusters can also represent you in court if you need to take your insurance company to court over a denied or underpaid claim.
Essentially, a public adjuster can take care of the entire claim process for you, which will make this situation significantly easier and less stressful.
What Professional Services Do They Typically Offer?
Public adjusters can offer a variety of professional services, depending on your needs. These may include:
- Reviewing your insurance policy to determine the maximum amount of coverage you are owed
- Inspecting and documenting damages caused by an insured event
- Negotiating with the insurance company for the best possible settlement
- Serving as a liaison between you and your insurance company
- Representing you in court if necessary
- Helping to prepare, review and submit all of the paperwork required for filing an insurance claim
What Types of Insurance Claims They Help With
Public adjusters can help with all types of insurance claims, including those caused by various natural disasters. They can also assist with liability claims such as property damage or personal injury. Some of the common claims a public adjuster can help you with are:
- Flood damage claims
- Water damage claims
- Fire, smoke and lightning claims
- Wind and hurricane damage claims
- Hail damage claims
- Vandalism claims
If your property has been damaged by any of these factors, a reputable public adjusting company can help you get your property back to normal in no time. This goes for both residential and commercial properties.
How Do They Determine the Value of Your Claim?
Public adjusters use various methods to determine your claim’s value. This includes looking at the extent and nature of the damage, as well as any associated costs for repairs or replacements. They can also look at photos, statements from witnesses, repair estimates, and other documentation that supports your claim. By doing this, they can ensure that you get the fair and accurate settlement that you deserve.
Our public adjusters will always visit the damaged property in order to conduct an inspection and see the scope of the damages. During the inspection, they document any evidence and estimate the damages. This helps them determine how much money you should ask for from your insurer.
The Benefits of Hiring a Public Adjuster
Hiring a public adjuster can be beneficial in several ways. After all, they are experienced professionals with the knowledge and skills necessary to get you the best possible settlement.
Some of the advantages of hiring a public adjuster include:
- A greater chance of getting your claim approved and receiving the full amount that you deserve
- A professional who can take the stress and hassle out of dealing with your insurance company
- An experienced negotiator with knowledge of how to get the best terms from your insurer
- Better chances of getting a speedy resolution to your claim
- Protection from mistakes and omissions in filing paperwork or claiming damages
- Time savings from not having to do all of the paperwork yourself
- Peace of mind knowing that you have a professional advocate on your side.
Public adjusters are invaluable resources for those dealing with insurance companies and can make the process of filing a claim much easier and less stressful. By hiring a public adjuster, you can rest assured knowing that your claim will be handled professionally and efficiently, giving you peace of mind during what can otherwise be a very trying time.
When to Hire a Public Adjuster
You should keep in mind that public adjusters are not always necessary when filing a claim. However, if you have suffered damages from an insured event and need help documenting and filing the claim, it may be beneficial to hire a public adjuster.
This is especially true for more complex claims or those involving significant damages. It is important to remember that the cost of hiring a public adjuster is often much less than the amount you will receive in your settlement.
Overall, public adjusters can be incredibly helpful when it comes to filing insurance claims. They are experienced professionals who understand the ins and outs of dealing with insurance companies and insurance policies. They will help you get the most out of your claim and make sure that you get a fair and accurate settlement.
How to Find a Reputable Public Adjuster
Finding a reputable public adjuster can be tricky, as there are many different companies out there. You need to find one with experience and expertise in the type of claim that you have. But how?
- A good place to start is by asking for recommendations from friends, family or colleagues who have previously worked with a public adjuster.
- You should also do some research online and read reviews from previous customers. This will help you get a better idea of the quality of service that each public adjuster provides and allow you to make an informed decision about which one to hire.
- Also, make sure to check out different companies’ websites to find out exactly which services they offer.
Ultimately, the best way to find a reputable public adjuster is by doing your homework. Do your research, ask for recommendations, and read reviews to ensure that you hire a knowledgeable and experienced professional who will work hard to get you the best possible settlement.
Once you’ve found a reputable public adjuster, discuss any questions or concerns you may have before signing on with them. This way, you can be confident that the adjuster you chose will provide the best possible service and get you the settlement you deserve.
How Much Do Public Adjusters Charge?
The cost of hiring a public adjuster will vary depending on the complexity of your claim and the experience level of the adjuster. Generally speaking, you can expect to pay around 10-25% of your total settlement amount.
Keep in mind that this fee is typically taken out of the settlement amount, so there is no additional cost to you. However, it is a good idea to discuss the fee structure with your adjuster before hiring them.
In addition to their fee, public adjusters may also charge for certain services such as document review or damage assessments. Make sure to ask about any additional fees so that you are aware of all costs associated with hiring a public adjuster.
Work with Public Adjusters You Can Trust
Overall, hiring a public adjuster can be beneficial if you are filing an insurance claim and want to ensure that you get the most out of your settlement. With the help of a reputable public adjuster, you can rest assured knowing that your claim will be in good hands. Well, Elite Resolutions is at your service!
We’re a public adjusting company with over 14 years of experience, so it’s safe to say that we know what we’re doing. Get in touch with us, and trust that you’ll get the coverage that’s rightfully yours. So, let’s work together – rely on our professional services and get your property back to normal ASAP!