There are few things worse than suffering from a major property loss. If your home or business has been damaged by a fire, flood, or other covered peril, your insurance policy should cover your reconstruction costs.
However, dealing with the insurance company is often more of a hassle than it should be. While your insurance company has a team of adjusters on their side, you may feel like you’re on your own. The good news is, hiring a public adjuster can level the playing field. This often results in saving you a lot of time and money.
What is a Public Adjuster?
A public adjuster is a state-licensed professional. Their duties include preparing, presenting, and negotiating policy claims on behalf of homeowners. They provide detailed inspections, handle communications on behalf of the insured, and deal directly with the insurance company.
Advantages of Hiring a Public Adjuster
No one wants to deal with a homeowners insurance claim. Not only is a lot at stake, but the process of properly submitting an insurance claim can feel overwhelming for the average person.
Hiring a public adjuster takes much of the stress away. This gives you the benefit of working with an expert who knows exactly how to submit both initial and supplemental insurance claims.
Your adjuster will bring extensive knowledge and experience to the table and help ensure you get what you’re entitled to. Public adjusters typically have experience in construction or a related field. They use sophisticated software to independently evaluate the value of your property loss. In addition, they typically also have and a deep understanding of the current cost of repairs for the specific home and neighborhood they’re working with.
When the insurance company is ready to offer a settlement, your public adjuster will handle the negotiations for you. This will help ensure you don’t unintentionally accept a low-ball offer.
Is Hiring a Public Adjuster Worth the Cost?
If you have a major property insurance claim, it’s almost always in your best interest to consult with a public adjuster. Even if you’re confident in the dollar value of your property loss, it’s still a good idea to get a second opinion.
When dealing with an insurance claim, a simple miscalculation can cost you thousands of dollars. Even the best homeowner’s insurance companies won’t voluntarily pay you more than the amount you claim. Hiring a public adjuster ensures you’ll claim the correct amount, increasing the chances that you’ll get what you need to make yourself whole again.
Schedule Your Consultation Today
Don’t take the chance of making your property loss even worse! Consulting with a property adjuster could be one of the smartest moves you ever make. Give us a call today to discuss your situation and receive a free quote for our services.