Why Hire a Public Adjuster?
When insurance carriers receive property damage claims, they utilize their in-house or independent insurance adjusters to handle the claims to maintain a cost-effective outcome for the company. The adjuster from the insurance company may or may not have the necessary training and experience to determine coverage properly and assess all of the damages.Therefore, the potential for claims being undervalued, or in some cases even denied, is high.
A public adjuster representing the policyholder ensures that a claim is:
- Accurately evaluated before and after it is submitted.
- Presented with proper documentation and support.
- Rightfully paid according to the policy coverage and insurance guidelines.
Benefits of Hiring a Public Adjuster
Coverage Evaluation
Regardless of the stage of a claim, a public adjuster will examine the policy contract to determine if a personal or business property claim is covered and evaluated accurately. In case of a coverage denial, Public Adjusters can also evaluate the facts and the carrier's coverage denial to determine whether the denial was proper or not. In the event of an improper denial, Public Adjusters can assist with and recommend the following:
- Submission of new or additional documentation to the insurer.
- Department of Insurance involvement.
- Consult and hire an attorney for litigation.
Professional Damage Assessment
Public adjusters have extensive construction estimating knowledge and experience. Therefore, they can generate accurate construction estimates, while ensuring that insurance adjusters employ fair claims settlement practices.
Submission of Proper Documentation
Insurance companies evaluate and pay claims based on the documentation presented to them by the policyholder. Experienced public adjusters know the necessary documentation to obtain and submit to the carrier before, during, and after a claim is submitted.
Rightful Payouts for Policyholders
In addition to evaluating, professionally estimating, documenting, and thoroughly representing their clients, expert public adjusters know state insurance regulations, local building codes, and ordinances. In other words, they speak the insurance company's language regarding policy benefits and estimation. As a result, they will greatly impact the outcome of a claim in recovering the maximum benefits from the insurance carrier.
Free Consultation
Contact us for a free consultation and assessment if your home or place of business sustained loss or damage resulting from an unforeseen event.