Why should you rely on public adjusters?
Whether you live in hurricane territory or not, you’re probably well aware that property damage is common in the state of Florida. This is due to heavy storms, flooding, and other related factors. Many residents have learned the importance of filing a damage claim with their homeowners’ insurance company as soon as possible. However, they soon realize that it can be a long, arduous process.
When a public insurance adjuster is handling your property damage claim, the settlement process goes a lot more smoothly. Today, we’re going to look at why public adjusters have more success dealing with insurance companies than claimants do. But, first, let’s answer the simple question…
What is a Public Insurance Adjuster?
We’re glad you asked! A public insurance adjuster is part of a private company that advocates only for policyholders. They are certified, trained, and deal with all types of claims, including hurricane, water, roof, fire and smoke, hail, and wind damage.
Their financial interests are tied to those of the policyholder. This makes them the perfect proxy to ensure a fair and proper settlement. All you have to do is sit back and wait for the results!
Why Are Public Adjusters More Successful?
Insurance companies will work with you when processing a homeowners’ insurance claim. But it’s much more beneficial to hand the reins over to public adjusters. To give you an idea of how important their role is, here are some of the reasons why public adjusters have more success dealing with an insurance company than the actual claimant will:
They Know the Inner Workings
To the person filing a claim, the process seems very straightforward. On the inside, though, there are several different steps that must occur from the initial filing to the settlement. Public adjusters know all about the inner workings of the process, which means they’ll be able to more easily navigate through it. This can lead to a faster and more pleasing outcome for the claimant.
They Know Exactly What to Say
Making a home insurance claim is pretty straightforward, but there’s often some nuance and subtlety involved in getting it settled. A public adjuster will know what to say to an insurance company and what types of questions to ask that will help get everything moving along more quickly. They’ll also know how to answer certain questions and what specific information to provide to help settle the claim.
There’s a Professional Courtesy
A reputable public adjuster works with a variety of insurance companies, and there’s a sort of professional courtesy between the two. Although your insurance agent may very well treat you with respect and courtesy, there’s a difference when it’s two professionals in the same industry discussing an issue. Since they understand each other’s roles, they’ll be able to engage in a way that’s much more beneficial to the claimant.
Won’t Take “No” for an Answer
At some point in the process, an insurance company may feel that it’s appropriate to say “o” simply because they know you’re not going to fight back. Public adjusters care about your situation, but their emotions are kept in check. This makes it easier for them to stand up for your rights as needed. There may be some issues they can’t fight against, but they’re better equipped than most claimants.
They Can Help You Get More
Public insurance adjusters know everything there is to know about property loss, including the amount of claim settlement that you should expect. While it’s true that an insurance agent will obviously have the same knowledge, they’re also trying to save the insurance company as much money as they can. Public adjusters, on the other hand, get paid based on the amount you receive, so they’ll do everything possible to maximize the settlement.
They Can Identify Red Flags
During the claim process, there are certain red flags that might come up that may potentially lead to a lower settlement amount. Or, it’s possible that you and the insurance company both missed some hidden damages that could increase how much you’ll be paid. By identifying these red flags and other items right away, the public adjuster can prevent delays and low settlement issues.
Contact Property Protectors for the Most Successful Public Insurance Adjusters
As a popular and reputable public insurance adjuster in Florida, Property Protectors can help improve the outcome of your settlement and quicken the process. For any questions about what a public adjuster does or to receive a quote for our services, reach out to us at (800) 658-1943 today.