Should I use a Public Adjuster
When you go through the hard times of damage in your home, or if you get to experience a theft to your property; there might be extensive losses. But no matter what the damage is, you may find yourself in a position where you need to make an insurance claim when that happens Public Adjusters will be there to guide you.
Insurance policy coverage varies for a homeowner, business and renter property. When it comes to storms or accidents, most people will contact their security providers, rather than a Public Adjuster, this often happens because they don’t know what us, Public Adjusters, do.
Public insurance adjusters don’t work for insurance companies. They will asses you on the worth of your property loss on behalf of the policyholder. They also are licensed by the State Department of Insurance.
Adjusters are hired by you and work for you. The insurance company’s adjusters are employed and paid to protect the interest of their company. This is the reason Public Adjusters will ensure fair value for your claim.
We have the expertise, skills, and experience to make this process simple for you. When you choose a Public Adjuster for property damages, you have a player on your team, someone who wants you to get the highest returns from your property loss.
Types of Claims Adjusters
The insurance claims adjuster is the professional who will deal, the most, with the insurance claims process. These are the main insurance claims adjusters:
Advantages of hiring a Public Adjuster
There are multiple advantages of hiring a Public Adjuster, but we listed the main 6 just for you:
- There is potential for higher reimbursement. When there is a big conflict of interest, because it is just you dealing with an insurance company that wants to protect their interest at all cost, the Public Adjuster will increase, as much as it is possible, the final amount of the claim payments. This was proven by a report by the Office of Program Policy Analysis and Government Accountability in Florida.
- Public Adjusters are skilled in their field and know how to handle troublesome insurance companies.
- A public adjuster doesn’t get paid until you get your money reimbursed, this will have you relieved, whether you admit it or not. The Public Adjuster will manage the process until it ends and will try quickening and maximizing your claim.
- You don’t fully understand the complex language, processes, legal terms, clauses, etc, of your claim. All of them need to be addressed in your claim, that’s why Public Adjusters are here, to help you understand the depth of the coverage.
- People often settle for less because they are exhausted. The process of evaluating, completing, and presenting a claim can be very extensive. As if losing property wasn’t stressful enough, the process can make it harder for you so they settle for much less than they are entitled to.
- Their contacts: An expert Public Adjusting firm always has a network of contacts on hold that is to ensure your home gets repaired quickly.
What is the process of reopening claims?
- Time savings: Many property owners have more concerns than dealing with the bunch of information and documents the insurance company requires. A Public Adjuster will be there to help you organize your claim, and minimize your time dealing with these.
- Claims expertise: Insurance policies are complex and can easily be misinterpreted. Having someone to play on your team that is familiar with the complicated language of the insurance policy will make everything easier for you.
- Protect your rights as a policyholder: having a veteran Public Adjuster, someone who is acquainted with the language, will give you an advantage in case your claim is denied.
- Ensure fair value for your claim: An OPAGGA study (Office of Program and Policy Analysis & Government Accountability) in Florida showed that Public Adjusters negotiate up to a 747% larger insurance company settlement for commercial business and homeowner insurance property loss claims than the insurance company was planning to pay for.
For the reopening of a claim, a visit from the public appraiser must be made, it will be carried out on their property where they will review each document in detail, the estimate and policy of your insurance and all the repair records that were carried out, once all of this has been evaluated, the public appraiser will decide if the claim can be opened or not, if the claim can be reopened, the appraiser will contact your insurance and then re-evaluate the damage to your property.
If your homeowner claim has been denied and you do not know how to do it in this case, we recommend that you contact Ricardo Public Adjusters. Denied claims are one of the typical outcomes when a homeowner does a claim on their own. That is why when we are asked should I use a public adjuster? We always say yes. Experience is priceless in something as important as your home. We will be able to advise you on everything you need, we have a good record of resolved cases, we will do everything possible to make sure your claim is evaluated successfully and without any kind of problem.