Insurance Coverage

What Is A Public Adjuster?

Have you ever had to file a property damage claim before? If so, then you are already aware that the adjuster that your insurance company sent out was not anything like those smiling faces shown on television commercials.

After you file a claim, your insurance company no longer sees you as a valued customer but as a financial and legal adversary. Just remember, the insurance company adjuster who comes out to your house after you have filed a claim works for your insurance company and not for you. And insurance companies are in business to earn money. After they have made the money, which is mainly through the premiums paid by customers, their focus is then on keeping as much money as possible. The fewer claims they have to pay out on, the more money they are able to keep, which is the bad news for you.

Fortunately for you, just because an insurance adjuster offers to pay less money on your claim than what is necessary to repair damage, or if your insurance company sends a letter to you that completely denies your claim, doesn’t mean you simply have to accept what you have been told. There is one thing that I’m sure your insurance company will not tell you, which is that you can hire a public adjuster. You have every right to do this.

A public adjuster is a kind of insurance claims adjuster who works as an advocate for you. They can submit, assess, document and, most important of all, negotiate your insurance claim settlement for you. A licensed public adjuster can really help you, by acting as your advocate since they only work for you, and not the insurance company. They do not get paid until and unless you are paid.

The best news of all for you is that it is completely free for you to call and speak with a licensed adjuster to determine if you have a valid claim that will entitle you to receive additional money for your insurance loss, even if your claim has been denied or closed already. If a storm, flood, fire or anything else has caused damage to your property, then you should not accept anything less than the maximum settlement that you are entitled to.

Don’t ever settle for less. Instead, contact a public adjuster today.