Public Adjuster – What Can They Do For You?

What do public adjusters do? A public adjuster is a licensed professional who may assist you file and negotiate your insurance claim. A public adjuster exclusively works for policyholders. Insurance firms hire and pay independent adjusters to represent them, not the policyholders. Using a public adjuster is the smart thing to do.  

You may not have used or heard of a Public Adjuster before. This may be because you haven’t had substantial property damage or didn’t have any trouble getting appropriate compensation from your insurance company. It’s also important to understand the distinction between a public adjuster and an independent claims adjuster. In the event of a tragedy, it is critical to understand what duties a public adjuster performs and when to contact one.

When Should I Contact A Public Adjuster?

In the event of an accident or natural disaster, you will need to contact your insurance company. Insurance claims adjusters help the insurance company.  Public adjusters help the homeowner by reviewing your insurance coverage and damages to ensure the greatest possible outcome. This may include housing expenditures if you had to flee or business losses if you were harmed. We will make sure to file your insurance claim as soon as possible, document everything along the way, meet with the insurance company’s adjusters and experts, prepare a professional claim estimate package and work to settle your claim in the most expeditious way possible.  

What Is The Difference Between Private and Public Claims Adjusters?

The fundamental distinction between a private adjuster and a public adjuster is who they work for. Private or independent adjusters work for the insurer, not the policyholder. As a result, leaving some policyholders to feel independent claims adjusters solely care about the firm.

However, public adjusters solely work for you, the insured. This gives them a more fair evaluation when reviewing claims which in turn can aid in greater compensation.

You will be paying for the services of public adjusters since you hired them. The amount is based on the total settlement. A normal proportion is anywhere between 10% and 20% depending on the type of claim and/or if a State of Emergency has been declared by the governor.

Why use a public adjuster? The sooner you contact a public adjuster, the faster you will obtain assistance with your insurance claim and a potentially larger settlement. Sadly, many consumers don’t engage a public adjuster until their insurer refuses to pay fairly.

Who Are The Best Public Adjusters In Florida?

Find a licensed, trained, and professional public adjuster. Not all public adjusters are created equal. Some have greater training and expertise than others. Other public adjusters have more extensive experience based upon how long they have been an adjuster, the types of claims they’ve handled, or the amount of claims they’ve negotiated. Several may only be able to assist with smaller or more common claims while others may be able to handle more complex or involved claim losses.

What Questions Should I Ask A Public Adjuster?

Oftentimes policyholders need a public adjuster to assist with their claim, however, they don’t realize it. As a result, many people don’t know the right questions to ask a public adjuster.  

  1.   Am I talking to the adjuster that will be handling my claim? 
  2.   Will you show me your state license?
  3.   What is your professional background or experience?
  4.   Can you provide references for recent claims you directly handled? 
  5.   How much is your fee? 

Making an insurance claim after a tragedy may be a hassle. Many homeowners avoid the headache of haggling with their insurance carrier by hiring a public adjuster. A public adjuster will fight for you. Because public adjusters know the ins and outs of your policy, have the knowledge, experience, and time, this can greatly assist in higher claim payouts in order to bring you whole, or back to your pre-loss condition.

You may be asking, are public adjusters worth it? Yes and now is the time to contact Aftermath Adjusters & Consulting LLC, for your homeowners’ insurance claims. Our public adjusters can assist with new or previous claims. We will expedite the procedure and maximize your payment.