Learn when you should hire a public adjuster for property damage.
With its sunny climate, beautiful beaches, glorious theme parks, and many other attractions, the state of Florida is a wonderful place to live. Along with the amazing perks, however, comes the fact that big storms in certain areas can cause a great deal of property damage.
Many people go straight to their insurance company, regardless of the type of damage they received, but that’s not your only option. Today, we’re going to explore when to hire a public adjuster and why this is the best strategy.
When to Hire a Public Insurance Adjuster
Figuring out when to hire a public adjuster depends on the situation.
Here are a few different scenarios when this is a good idea:
After Property Damage
We’ve been conditioned to believe that our only recourse after we’ve endured property damage is to call our insurance agency. After all, this is the holder of our homeowners insurance policy. On the contrary, a public insurance adjuster can also file a claim and fight for a fair insurance settlement. Regardless of the amount of the property damage, an adjuster will help you out.
After a Low Settlement
Waiting for your claim settlement to arrive is quite nerve-racking. Your life can feel like it’s on hold until you receive the funds for repairs. When you receive your notice of the claim payout and it’s too low, this can be confusing and extremely stressful. Instead of going through the insurance company to file an appeal for a larger settlement, it’s better to hire a public adjuster.
After a Claim Denial
As if receiving a low settlement amount isn’t stressful enough, there are times when a claim is flat-out denied. Although an insurance company has an internal review process, it’s unlikely that their decision will change without outside assistance. A public adjuster will analyze the claim, make any necessary changes, and file an appeal on your behalf.
Lack of Confidence
Processing a claim on your homeowners insurance policy can take time, but there’s no reason for the insurance company to drag their feet. If you’ve already processed a claim or are about to do so but don’t feel confident with your insurance agent, you should contact an adjuster. Even if the insurance claims process has already started, a public claims adjuster will be able to take over and handle everything for you.
Why You Should Hire a Public Adjuster
Many people don’t understand the exact role of a public insurance adjuster. These are some of the main reasons why you’d want to hire one:
A Public Adjuster Will Fight for Your Rights
Insurance companies are often an essential part of home ownership, but there’s never a guarantee that they’ll have your back. After all, they operate as a business and have a bottom line to fulfill. A public insurance adjuster doesn’t have any skin in the game, so to speak, so they’ll fight for your right to a fair settlement.
Knows the Claims Process
Not only do you need someone on your side, but you also need that person to understand the ins and outs of the claims process. A public insurance adjuster knows all about handling your claim, whether it’s a new claim or an appeal. This will make the process go much more smoothly than if you did it yourself.
Understands Damages
Thanks to Florida’s location in the United States, the state is often susceptible to inclement weather such as hurricanes and lightning storms. A public adjuster is very well versed in all types of damage, including roof damage, water, flood, hail, fire and smoke, etc. They’ll be able to ascertain what your estimated damages would be and then assist you with filing and processing the claim.
Will Work with Your Insurance Company
It doesn’t take long for a public adjuster to get to know the insurance companies around town. Therefore, when they contact the insurance agent or company on your behalf, there will already be a rapport. They’ll be able to ask the right questions and make it easier to proceed with a claim or appeal.
No Hassle, Less Stress
Dealing with a claim of property damage is a very stressful situation. Although a public adjuster will need time to rectify the situation by getting the claim processed, this will reduce the stress of you being forced to deal with the insurance company. You also won’t have to worry about the hassle that’s often involved.
To hire a Public Adjuster in Florida, contact Property Protectors
Property Protectors is standing by to help you with your property damage claim. If you have any questions about the insurance claims process or would like more information on when to hire a public adjuster, reach out to us at (800) 658-1943 today.