Is using a Public Adjuster a good idea?
Yes. Using a public adjuster is a good idea. Public adjusters offer valuable insight when filing property damage claims. A insurance claim can get confusing really fast. Preparing and presenting a claim requires a meticulous approach to ensure a fair settlement. Most policyholders know little or nothing about insurance and the claims process. A public adjuster works for the policyholder in filing, preparing, estimating, and negotiating a fair settlement on behalf of the policyholder.
What to expect from a Public Adjuster
A good public adjuster will develop a comprehensive estimate of loss to present to the insurance company. The estimate will clearly list the scope of work needed to ensure a proper claim settlement. Often times the insurance company adjuster will overlook essential components when developing a complete estimate of damages. Helping policyholders is the primary goal of the public adjuster. A public adjuster is paid a percentage of the claim. Public adjuster fees vary depending on the size a severity of the loss. Do your homework when hiring a public adjuster. For most policyholders its best to hire a local public adjuster through recommendation, reviews, regional association (chamber of commerce) or research. Additional information can be found on our homepage, Area Public Adjusters.
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