Should I hire a public adjuster?

A public adjuster is someone who will work on your behalf when you need help filing a claim or when you feel that the amount the insurance company is offering you is not enough to fix the issue. A public adjuster has the knowledge and skills you need, whether you are filing a claim for fire, flood, wind or hurricane damage, smoke, water damage, or any other peril.

How can a public adjuster help you?

You may not have needed to read your insurance policy in the past, or if you have, you may have realized that you are not an expert in understanding the details or the language. Or you have no experience with construction and are not sure if what will need to be done is correct and thorough and will be covered by the amount the insurance company is offering you.

Working with a public adjuster means you have someone able to perform a precise evaluation of your loss who knows how to submit a claim and negotiate on your behalf until the desired results are obtained.

Should I hire a public adjuster?

If you are faced with the need to file a property insurance claim, there is no reason why you should not think about hiring a public adjuster, mainly if your claim is high. By calling upon a public adjuster, you will have someone come by your property to help you understand the severity of the damage and how much you can file a claim for.

Even if you are convinced of the dollar value of your property loss, it never hurts to get a second opinion. The public adjuster may either confirm your estimate or find out something that you have not considered, which will significantly impact the amount of your claim. Remember that you are dealing with someone who is experienced at including all costs in their calculations, even those you may have forgotten to include or did not know about.

Let’s say your house has suffered roof damage. You may file a claim for a new roof but not consider how much it will cost to remove the old one or whether any other items beneath the roof have been affected and will need to be fixed.

Starting with an accurate claim will make the process much smoother and increase your chances of obtaining the right amount of money from your insurance company. Keep in mind that insurance companies are not in the business of handing out more money than what you have asked for. On the contrary, you can expect the negotiations to start on a much lower amount.

Don’t add stress to your life by handling everything on your own. A professional can alleviate your worries and get you a better offer from the insurance company.

How much will I have to pay?

Most public adjusters do not charge a fee to tour your home and determine the losses, and they will likely charge a percentage of what you are ultimately paid for your claim. Hope Public Adjusters recommends you always get your questions answered before hiring a public adjuster to work on your claim.