Insurance companies seek to maximize their profit, therefore, they will always strive to improve their profitability by reducing repair or replacement costs in any event a homeowner may face.
When a homeowner makes a claim, the insurance company will assign an adjuster who works for the company. Keep in mind that this agent will not be entirely on your side, and will first look after the company’s best interest.
What does a public adjuster do?
By hiring your own public adjuster, you will have an ally in the event of any contingency: fires, floods, natural disasters, etc. A public adjuster will also serve as your consultant, give you advice and help you carry out your case successfully.
Taking this into account, if you work with the insurance company adjuster you’ll have a disadvantage since you won’t have a person who is 100% willing to defend your interests before those of the company. Therefore, knowing what a public adjuster is will allow you to hire someone who is truly willing to help you as a homeowner.
Remember that you have the right to have the best advisors to carry out your case.
What will a public adjuster take care of?
One of the main tasks of the public adjuster will be to evaluate the cost of the damages your property has suffered. The insurance company will carry out its own evaluation, but keep in mind that you will always need your public adjuster since he will give you a detailed explanation of these damages, unlike the insurance company adjuster.
The company agent will evaluate without taking into account all the costs because, as mentioned before, in most cases they try to keep lower costs.
Your public adjuster will also review your policy, as he will need to verify which damages are covered by your insurance and which are not. This is essential when filing the claim, as it is usually one of the main reasons insurance companies reject them.
Finally, he will be in charge of collecting all the information and necessary documents to file the claim.
Benefits of hiring a Public Adjuster
This professional has years of experience and the necessary knowledge to help you when filing claims to your insurance company.
Some of the benefits of hiring your public adjuster:
-It will help you understand even the smallest details of your policy.
-You will have company and advice throughout the entire process, which is quite exhausting.
-It will help you save time since he will be in charge of organizing and managing the documents, paperwork, and procedures involved.
-The public adjuster will guide you through the proper procedures for filing an insurance claim.
-You will not have to deal with the comings and goings or end up stressed due to poor communication with the insurance representative.
-He will inform you if your rights as an insured homeowner are being neglected.
The claims procedure with our public adjusters
- Safety Issues
We give life and safety issues priority always.
Are you and your loved ones safe?
Let’s make sure what matters the most is out of danger.
- Mitigation of Damages
You are required to protect your property from additional damages.
We will help you mitigate the extent of losses.
- Evaluation of Coverage
Our team of experts will help you understand the terms and conditions of your policy, including coverage limitations, action timelines, and other important duties and responsibilities.
- Valuation of Damages
Let’s work together!
We will help you provide and submit a detailed and itemized claim report with the respective documentation and estimates for all the different insured categories such as:
Property Damage
- Home & Personal Property
– Time Element
- Additional Living Expenses (ALE)
- Negotiation & Settlement
Let’s get down to business!
The claim will be audited and adjusted by the insurance company and its experts.
Most likely there will be differences, not to worry, we will prepare accordingly.
- Restoration of your Property
After reaching an agreement with the insurer you can move forward with the permanent work and repairs.
Get ready for your new beginning!
Contact us right away to help you out!
