Saving Money with a Public Insurance Adjuster
You don’t have to be a resident of Florida for very long before you realize that homeowners’ insurance is an absolute must. This can weigh heavily on a person’s finances, especially when you consider Florida homeowners are paying nearly three times the national average, according to the Insurance Information Institute. So, when a property incurs damage, you can bet that the homeowner will file a claim.
A public insurance adjuster has one primary goal: to help get a fair settlement for any damage claim. With the right adjuster, you’ll save both time and money by letting a professional do all of the heavy lifting.
Here are just some of the reasons why working with a public adjuster will help you save money and prevent loss:
Experts in Estimating Damages
As you can imagine, a Florida public insurance adjuster has seen it all. They’ve dealt with all types of claims based on damage resulting from wind, water, flooding, fire, hail, etc. This experience makes public adjusters experts at estimating damages so you receive a fair value of the claim.
History with Insurance Companies
Most insurance companies are obviously on the up-and-up, but it’s in their best interest to give you a lowball offer on your damages. Public adjusters work closely with the insurance company and are likely to already know your agent or at least the company itself. This can save you time in getting your claim approved and prevent you from losing money due to a low settlement offer.
Licensed, Bonded Professionals
In order to become a public insurance adjuster, one must pass a specialized exam so that they can receive their license. They must also be bonded, pass a criminal background check, and continue their industry education. They’re also held to a high ethical standard, which further cements their reputation. Being licensed and bonded helps ensure that they’re more equipped to help you prevent monetary loss.
Experience in Settling Claims
Public adjusters are such an integral part of the insurance process that they don’t need to be in business for very long before they have a healthy list of clients. They quickly learn the ins and outs of the insurance game and can easily navigate through the process much easier than you can. This experience leads to saving money and an increased chance of a fair settlement without constant negotiation.
Will Negotiate for Fair Value
Speaking of negotiation, this is a critical role of any public insurance adjuster. As stated above, the primary goal is to help ensure that their clients receive a fair value for their claim, which can sometimes be difficult depending on the insurance company you’re dealing with. While insurance companies aren’t in the habit of ripping off their clients, they may miss key pieces of information.
Faster Resolution of the Claim
As they say, time is money. We’re guessing that you have a lot going on in your life, so dealing with an insurance company is probably the last thing you want to do. In some instances, you might even be forced to miss work. Not only will a public adjuster do all of that for you, but they’ll be able to resolve the claim faster so that you can get on with your life.
Protects Your Coverage Rights
Since you’re not an insurance professional, there’s no shame in realizing that may not know exactly what you’re covered for. Unfortunately, not being aware of the precise details of your policy can cost you money because you might not know what your coverage rights are. A public adjuster will take the time to go over all of the details so that you won’t miss anything that could be claimed.
Invested in the Settlement Amount
When you work with a public adjuster, you don’t incur any out-of-pocket costs. Simply put, the adjuster gets paid when you get paid. They have a vested interest in getting you the largest settlement possible based on your coverage and claim. Although this doesn’t save you money, per se, it does help prevent financial loss due to a low settlement.
Contact Property Protectors to Save Money and Protect Your Home
Property Protectors is a renowned public insurance adjuster in Florida. Our team will help negotiate the best settlement possible based on coverage of hurricane damage, water damage, fire and smoke damage, hail damage, etc. If you have any questions, reach out to us by calling (800) 658-1943 today to get assistance with your insurance claim.