No homeowner wants to come home to find that their toilet overflowed and has been running throughout the house all day. Although thankful to have homeowners insurance, most property owners know nothing about filing a claim. The entire process seems overwhelming from the initial claim to attending inspections to negotiating a satisfying settlement. That’s why it makes sense to hire a public adjuster.
Here are the top three reasons you should consider hiring a public adjuster before filing an insurance claim.
#1: Mountains of Paperwork
When filing a claim, insurance companies need to see the right documentation that shows the damage, proves the cause, explains the needed repairs, and more. This documentation is extensive and often overwhelms homeowners.
When hiring a public adjuster, the homeowner can sit back and let the professionals do the work. Instead of worrying with the details, the public adjuster evaluates the loss, establishes and estimate, and provides the proof needed for the claim.
A professional public adjuster knows what insurance companies need, including:
- Inventory lists
- And more
What happens when your claim doesn’t contain the necessary paperwork? The insurance company’s settlement will be low or they may even deny the claim altogether.
#2: Lots of Time
Many homeowners believe they can handle the insurance claim on their own, despite their lack of expertise. Although it is possible, handling a claim the right way takes an enormous amount of time. In fact, it may seem like a full-time job on top of all their other responsibilities like work and family.
A public adjuster’s job is to handle the claim so you don’t have to. They will deal with the process from the beginning all the way to the settlement, including:
- Preparing all documentation needed for the claim
- Coordinating and attending inspections
- Estimating repairs
- Negotiating a settlement
- Handling a denial
A public adjuster understands both the insurance and construction sides of the claims process. They advocate on your behalf to get you the best possible payout.
#3: Larger Settlement
It is not uncommon for a homeowner to think they understand how much damage has occurred to their home and how much it will cost to fix the problem. However, they are often not aware of all the damages. For instance, did they consider that the overflowing water got into the walls and has begun to form mold?
They may also not think about all the aspects of repair such as:
- Removal of old materials
- Inflationary costs of materials
- The need to replace rather than repair
- And more
Without understanding these costs, the homeowner may not get the settlement they deserve. Hiring a public adjuster takes care of this issue. They use their knowledge and experience to complete an accurate repair estimate which allows you to get the settlement needed to make the necessary repairs.
If you are dealing with a property damage claim, don’t you think it should be handled by someone with the appropriate knowledge, expertise, and time needed to get it done right? Call Aftermath Adjusters & Consulting, LLC today. Let us help you get the settlement you need so you can get back to living your life as quickly as possible.