What is a Public Adjuster and How Can They Help Me?
If you’ve recently suffered serious damage to your property, you’re probably sitting down considering all of your options for getting your life back to normal as quickly as possible. When something terrible and unforeseen forces us to file claims with insurance companies, it leaves us emotionally distraught, exhausted, and searching for the right financial answers.
To begin the definition of a public adjuster, think about the Public Defender awarded to individuals in each county in America today. When an individual has no means to hire their own attorney, they are awarded a Public Defender who will protect them against the plaintiff. Public adjusters are designed and developed specifically to defend the public against massive insurance conglomerates. It’s their job to lobby on your behalf and provide you with the expertise to navigate the tricky insurance waters. They are licensed, government-approved individuals who are here to serve you and you only.
What Public Adjusters Can Do For You
Now that you have a better idea of what a public adjuster is and why they exist today, let’s look at what these individuals can do for you. Public adjusters are experts in the details and language of insurance policies. They are also experts are filing and adjusting claims in your favor. They come with prior experience, many of them having worked at the insurance companies themselves, and use sophisticated software to undergo an independent evaluation of a client’s property loss.
What this means is that public adjusters are able to assess the property damage, come to their own monetary conclusion, file claims against insurance companies, and follow through on the claims to ensure property owners are awarded the money they actually deserve. Without one, insurance companies try and go for the lowest payout possible. Since homeowners aren’t experts on the process, they often accept the low payout and move on. Public adjusters, however, are able to identify and introduce new claims homeowners weren’t even aware of when filing the initial claim.
As a result, the payout at the end is ten-times what it would be without a public adjuster. These adjusters are given a small commission of the payout, but since they lobbied such a high amount of behalf of the homeowner, it’s well worth it
when it’s all said and done.
How Public Adjusters Can Help
Pubic adjusters bring a wealth of support and expertise with them to each insurance case. They begin their helping process by visiting the damaged property themselves and assessing the monetary amount. Then, on your behalf, they draw up the claims, contact the insurance company with the claims, and provide ongoing support to ensure the claims are rightfully paid out. In short, it saves you countless time, money, and frustration trying to navigate a process you barely understand.
Ultimately, don’t attempt to strong-arm an insurance company by yourself. Public adjusters exist specifically to help you win your claim and move on in the end. Take advantage of their existence.