When you’ve experienced a loss at your home or business due to fire or some other catastrophic event, you have some important decisions to make. Of course, the first priority is making sure that everyone is safe and there is no longer an imminent threat of danger. But once that is assured, you need to consider your next course of action.
The insurance company will be sending an insurance claims adjuster to assess the damage and determine the value of the loss. However, it would be in your best interest to hire a public adjuster. What is a public adjuster? A public adjuster does the same job as the insurance claims adjuster, with one very important difference: the insurance claims adjuster is representing the insurance company, while the public adjuster represents you.
The claims adjuster is employed by the insurance company, so their loyalties obvious lie with the people signing their paychecks. Though they will try to strike a balance between your interests and those of your insurance company, odds are the insurance company will win, every time. On the other hand, a public claims adjuster has only their clients’ interests at heart.
Since public claims adjusters are experts at what they do, they will know all the details to follow up on, and all the documents to file in what manner, in order to make sure that your claim is file properly and efficiently. This increases the likelihood of your getting a higher settlement, because the adjuster has likely thought of things you wouldn’t have otherwise. Also, your claim may even be settled faster, since the adjuster knows the proper channels to ensure these matters are settled as efficiently as possible.
If you’ve fallen victim to a disaster of some kind, be it a flood or a fire or some kind of natural disaster, you’re likely anxious to have your insurance claim resolved quickly and accurately. Flood damage claims and fire damage claims are common, but if you don’t go with a public insurance adjuster, you may be surprised by the result. A public claims adjuster will represent your best interest with the insurance company, and make sure you get the settlement you deserve.
