If your home has suffered a loss, and you need to file a claim with your insurance company, you may be unsure of where to start or what to do if your claim has been denied. A public adjuster can help you navigate your claim, showing you what documentation you need, along with other questions you may have. They can help you understand every detail of your insurance policy, so you fully know what your insurance should be covering. Here are some of the benefits of hiring a public adjuster.
Saves You Time
Deciphering your insurance policy can take a ton of time and research. Since public adjusters are experts in the matter, they can help organize this for you and explain to you exactly what you need in order to file your claim properly, reducing the amount of time the process takes.
They Are Licensed Professionals
Public adjusters are required in most states to pass a test, maintain a bond, pass a background check, continue their education, and public adjusters are held to a high standard of ethics.
Protect Your Rights
Having someone on your side who understands what your insurance company expects when submitting and documenting your claim can be a major boon if your claim is denied or you are offered less money for it than you should be getting.
Helps Your Understand Your Policy
Insurance policies are usually complex and difficult to read if you are not an expert in the industry. Since public adjusters are experts in the field, they can decode your policy for you and explain what the complicated language means.
Reduces Your Stress
If you have just suffered a loss, you are already stressed out, and navigating your insurance policy to file a claim does not help your stress levels. Hiring a public adjuster can help reduce your stress, since they handle the claim for you. They will handle the heavy lifting in your claim, including negotiations with your insurance company and with fighting a denial. While this may still be stressful for you, having an expert on your side can be a big help at reducing your stress during an already stressful time.
Public adjusters can help expedite your insurance claim process, getting things handled for you in a shorter amount of time than if you had to deal directly with your insurance company.
No Upfront Fees
When you hire a lawyer to fight your insurance company, you are probably paying them hourly, and you are likely to go into litigation. Public adjusters instead are usually paid a percentage of what you receive from your claim, so they do not get paid until you do. This makes them highly motivated to see your claim through to the end.
It has been proven that when you use a public adjuster for your insurance claim, you are more likely to receive a higher payout than if you navigate your claim yourself. Insurance companies want to save money and pay you less than you deserve, but public adjusters know how to handle this to help maximize your claim.