- On August 23, 2021
- hurricane, hurricane claim, Hurricane help, Hurricane Henri, hurricane insurance claim, insurance claim, public adjuster, tropical depression, tropical storm
Anyone who suffers damage from a hurricane will be thankful if they have insurance coverage in place and flood insurance. But much work lies ahead for those who have sustained damage. Filing insurance claims for major damage can be a full-time job. Documenting every intricacy of the loss and negotiating a fair settlement takes time and expertise. Omissions and missteps you unintentionally make can potentially mean a lower payout on the claim.
That’s where a public insurance adjuster comes in. Unlike insurance company adjusters who represent the insurer’s interests, public insurance adjusters represent you. A public adjuster’s responsibility is to properly represent the policyholder throughout the claim process and correctly settle the claim.
A Public Adjuster Handling the Claim
Recovering after a hurricane can be especially challenging because it often means filing claims on different policies. If wind ripped your roof off as floodwaters rose, what type of claim would you file? A windstorm insurance claim or a flood insurance claim? When filing the claim, you may also face difficult questions. “How much of the water damage is due to rain coming in through the torn-off roof and how much was due to the rising floodwaters?” And believe it or not, your answers could make or break the claim.
Filing a large insurance claim requires more time and energy than most people realize. Public adjusters help level the playing field. PAs are able to correctly document the claim, interpret the policy and correctly estimate the extent of the loss. Having someone who can properly navigate the claim can make the process much more efficient and ultimately less stressful.
Value of A Public Adjuster
Public Adjusters are regulated by the state and do not receive payment until a settlement is received. In addition, according to an analysis by OPPAGA, a PA typically gets an average of 500% more than policyholders filing for themselves. This is due to their expertise in understanding policy, proper code coverage, and their proficiency in proper estimation.
Have Your Claim Reviewed
A Public Adjuster can even help before filing an insurance claim. Reaching out to a PA to inspect your property, substantiate damage, and review your policy for coverage can start an insurance claim out on the right foot.
If a hurricane or tropical storm is heading your way, check out our Hurricane Preparation Guide to protect your home.
About C3 Group
C3 Group is a highly experienced and nationally connected team of licensed public insurance adjusters, engineers, and industry experts. They lead the industry in providing representation for commercial, industrial and multi-family properties nationwide. C3 Group prioritizes its contribution to the industry by providing education, detailed processes, and policyholder advocacy by ensuring every claim is settled correctly.