Why you Need Public Adjusters
Disasters can strike at any time, such as theft, fire, floods, or any other type. This will shock any property owner, and lead to losses. Once they settle, the property owners need then to think of how their insurance will come in to help them out. This is when the finer details of their insurance cover come into play, something few of them knows well. Insurance companies always need to look deeper into a presented claim. They will send over claim adjustors to look at the nature of the damage. What they then tell the insurance company is what will determine how much you get, if at all. They might declare it not substantial enough. It is important then, to have a public insurance adjuster handy, for you sake.
They are skilled individuals whose job is to take care of your interests as you deal with the insurance company during the claims. They will look at the loss in detail, with your interests in mind. Their assessment is thorough, as is their detailed claims settlement report. They root for the policyholder, not the insurance company, and will ensure they get their dues form the insurers.
They look into the intricacies of the claim. First, they shall study in great details the policy you took, so that they know what can and cannot be compensated for. They will then look at the damage that has occurred and place a fair value on it. They will then approach the insurance company. Negotiations between them and their counterparts from the insurance company will ensue. In the end, they will reach a consensus on the amount to be paid out.
You will need them around when you suffer a loss. These losses normally prevent someone from being able to handle the realities of such a negotiation session. Due to the experience they have had handling such situations, you can rely on a public adjuster to know what needs to be done when the time comes. They will cover you from all that stress, and from having to sit through all those negotiations. Their payment is usually a percentage of the settled upon amount. Since you are tied together this way, hey shall strive to ensure you are successful.
You are better off calling them in when you experience such a loss. Insurance companies will not take any time waiting to send in their adjustors the minute you report the occurrence of a loss. Any part of their interrogation you fails to live up to their expectations means that they shall have found a reason to doubt what you have to say, and thus not recommend the full settlement. This will be a huge loss for you. You can avoid all that by having your public adjuster also present at such times.