There are many things a public adjuster can do for you. But first, you need to understand how public adjusters are different from others. Only then, will it make sense why you want a public adjuster on your side.
Types of Licensed Insurance Adjusters
There are basically three types of licensed insurance adjusters:
- A Company Adjuster: Employed by and represent the insurance company when handling your damages and loss. Their main priority is protecting the insurance company’s interests.
- An Independent Adjuster: Hired by the insurance company and have a responsibility to do what is best for the company.
- A Public Adjuster: The only adjuster licensed in the State of Florida to specifically represent you. Their main objective is to defend you and your interests when dealing with the insurance company.
Lessen the Burden
It can be aggravating having to deal with major damage done to your property. Hiring a public adjuster can ease that stress and help you get your life back to normal.
Insurance policies are very detailed and hard to understand. Coverage may be excluded in one area of the policy and then granted back in another. In order for you to get paid on your claim, you will have to meet all of the policy terms. If you have ever gone through the claims process before, you know how overwhelming it can be.
A usual homeowner, flood or dwelling fire policy consists of hundreds of stipulations and provisions, with constantly changing endorsements and forms. There are also intricate details like real estate evaluations and inventory appraisals. The policyholder is responsible for everything in their contract, and it may be difficult to understand what exactly that entails.
Experience is Important
Qualified public adjusters know the local insurance companies and are familiar with their adjusters. They may even have a good relationship with some of them and be able to work together to maximize your claim payment. Letting the two professionals effectively settle your claim will allow you to focus on getting other aspects of your life back to normal.
The insurance company’s adjuster knows that the public adjuster is proficient in the details of insurance policies and negotiation. Therefore, they are more likely to give a larger, more accurate offer when working with a public adjuster. The more professional the discussion, the more likely the settlement will be favorable to the policyholder.
Allowing You to Focus on Family
Facing a major loss can cause a wide range of emotions, from sorrow to frustration. If you have children, they may feel confused or lost knowing that many of their possessions are gone. You may have even lost a family pet. When you add to that the strain of having to deal with the insurance company and rebuilding your life, it can be overwhelming.
Most policyholders that have hired a public adjuster say the greatest advantage is the relief you get knowing that the experts are managing your situation. Working with them allows you to pay attention to your family while you let the professionals handle the adjustment and negotiation process.
There are many reasons why working with a public adjuster is a good idea. They will:
- Make sure you have the correct documentation of your expenses.
- Keep you from signing documents that you shouldn’t.
- Show you how to take inventory of all your personal belongings and give accurate values to those items.
- Know how to help you remember your lost possessions and show you the best way to calculate the cost of replacing them. Many will even research this information for you, looking up item values and how much it will be to replace them.
- Ensure that you do not make any mistakes that will damage or delay your claim.
Filing an insurance claim after experiencing loss is a very bothersome process. To avoid having to deal with the hassle, and to increase the chances of a higher payout, call Aftermath Adjusters & Consulting today to find out what a public adjuster can do for you.