Have you recently suffered property damage caused by an event covered under your property insurance policy? If so, you will likely settle with your insurance company to file an insurance claim.
When you file insurance claims, navigating the claims process effectively is crucial to ensure a fair claim settlement. Hiring a public insurance adjuster can enhance your chances of receiving the maximum payout and protect your interests. This article will explore the benefits of a public adjuster for your insurance claim and how they advocate for you. From assessing damages to negotiating with the insurance company, a public claims adjuster can significantly affect your claim outcome.
What Does a Public Adjuster Do?
A Public Adjuster is a third-party professional who visits your property, reviews your policy coverages, assesses the damage, and utilizes all collected data to ensure you receive every dollar you are entitled to. This could be damage caused by a storm, a burst pipe, or any other event covered in your property insurance policy.
An adjuster will assess the total cost of necessary repairs on your behalf to ensure that your insurance company pays you the proper amount.
Why use a Public Adjuster?
Property owners often assume they don’t need to work with an adjuster because their insurance companies send out their own adjusters. Unfortunately, the insurance company adjuster does not have your best interests in mind. Instead, they care most about settling your claim for as little money as possible. This means you could be leaving money on the table and sacrificing the quality of your repairs/restoration work.
When you work with an adjuster, you can rest assured that they will represent and advocate for your rights and best interests at every step. Below are some benefits of hiring a public adjuster.
Benefit #1: Expertise in Insurance Claims Process
Navigating the complex world of insurance claims can be intimidating, especially if you have limited experience in the field, different endorsements, or riders on your policy. Public insurance adjusters are trained professionals who specialize in insurance claims. They possess extensive knowledge of policies, coverages, and the claims process. With their expertise, they can guide you through the intricacies, ensuring you understand your rights and entitlements.
Benefit #2: They Advocate for You
When it comes to insurance claims, the interests of insurance companies and policyholders can sometimes conflict. Insurance adjusters working for the company aim to minimize the payout to protect their profits.
On the other hand, public adjusters work exclusively for you, the policyholder. Their loyalty lies in securing a fair and just settlement that accurately reflects the damage and coverage of your policy. Hiring an adjuster allows you to gain an advocate who will fight for your rights and best interests.
Benefit #3: Maximizing Your Payout
Public adjusters understand the intricacies of insurance policies and the evaluation of damages. They possess the expertise to accurately assess the cost of repairs or replacements needed for your property. By working diligently on your behalf, they strive to maximize your payout. Their thorough analysis and understanding of insurance claims enable them to identify and include all applicable damages in your claim, ensuring you receive the compensation you deserve.
Benefit #4: Efficient Claim Process
Dealing with an insurance claim can be time-consuming and overwhelming. Public adjusters streamline the claim process by handling the necessary paperwork, meeting deadlines, and acting as a liaison between you and the insurance company. With their expertise, you can navigate the insurance claim process more efficiently, minimizing the stress and confusion that often accompany it.
Benefit #5: Professional Negotiation
Negotiating with insurance companies can be challenging, especially when it comes to reaching a fair settlement. Adjusters possess the negotiation skills and industry knowledge necessary for productive discussions with insurance company adjusters.
With their experience, public adjusters advocate for your rights and ensure the insurance company considers all relevant factors in determining your payout. Having an adjuster by your side levels the playing field and improves your chances of receiving a fair settlement.
Benefit #6: Saves you Time
Dealing with an insurance claim can be time-consuming, requiring extensive documentation, communication, and follow-ups. Hiring a public adjuster saves valuable time you would otherwise spend navigating the claim process alone. This allows you to focus on other important matters while having peace of mind. With an adjuster managing the details, you can save time and energy, ensuring a smoother and more streamlined claims experience.
With all this in mind, an adjuster can help you maximize your compensation from the insurance company. One analysis found that homeowners that hire a public adjuster saw an average increase of 747% in their insurance payout.
How Adjusters Benefited Homeowners
“Best choice we made was going with peninsula public adjusters for our roofing issue. Josh was our adjuster, and he was outstanding. So knowledgeable, patient, and understanding. Thanks to him, we got what was needed to fix our roof. I absolutely recommend this company. Thank you guys, and thank you, Josh.” – Andres Moreno
“I wanted an insurance adjuster because I didn’t want to stress over the process or deal with the insurance company. Ricardo Ramirez from Peninsula Public Adjusters took care of EVERYTHING. I felt like he was a family member with my back and ensured I wasn’t taken advantage of. Ricardo was always prompt, communicative, and delivered. His company also got fair compensation for my family after the insurance tried to lowball me. I highly recommend Ricardo and Peninsula Public Adjusters.” – Gabriel Muniz
Get Started With a Public Adjuster Today!
As you can see, there are many reasons to work with an adjuster when filing a claim. This way, you don’t leave any money on the table.
Ready to schedule your free consultation with the area’s #1-ranked public adjuster? Peninsula Public Adjusters is a BBB A+ rated residential & commercial Insurance adjuster Company. Our extensive years of experience allow us to tackle any commercial claim challenge to ensure maximum payout for you.