- On October 1, 2018
- hurricane, insurance claim, public adjuster
Anyone who suffered damage from hurricane Irma will be thankful if they have homeowners or windstorm coverage and flood insurance. But much work lies ahead for those who sustained damage. Filing insurance claims for major damage can be a full-time job because you must document every loss and negotiate a fair settlement. Omissions and missteps you make can mean a lower payout on your claim.
That’s where a public insurance adjuster come in. These professionals manage the claim for you in exchange for a fee or percentage of the insurance payout. While insurance company adjusters represent the insurer’s interests, public insurance adjusters represent you. Their job is to get you every dollar to which you’re entitled.
When to Consider Hiring A Public Adjuster
Deciding when to use a public adjuster depends on your unique situation. If you are frustrated with the claims process or not sure if you should accept your insurance company’s settlement, then you should request a free claim review to find out if a public adjuster can help.
Filing a large insurance claim requires more time and energy than most people realize, according to United Policyholders, a consumer advocacy group in San Francisco. Public adjusters help level the playing field because they know how to document claims, interpret the policies and argue for a fair settlement.
Recovering after a hurricane can be especially challenging because it often means filing claims on different policies. If the wind ripped your roof off as floodwaters rose, you’d file a homeowners or windstorm insurance claim and a flood insurance claim. You could also face tricky questions like this: How much of the water damage was due to rain coming in through the torn-up roof and how much was due to flooding? The water damage related to the roof would fall under a homeowners or windstorm policy; the flood damage would fall under a flood insurance policy.
Value of A Public Adjuster
Public Adjusters are regulated by the state and do not get paid unless you receive a settlement. In addition, according to an analysis by OPPAGA, a Public Adjuster typically gets an average of 500% more than homeowners filing for themselves.
Request A Free Claim Review
If you have questions about your insurance claim, settlement amount or if you feel that you are not getting what you are entitled to then contact us for a free claim review today or fill out the form below.