One of the main advantages of using a public appraiser is the likelihood of a higher settlement offer. They understand the fine print of your home insurance policy. They have the skills, knowledge, and experience to negotiate with insurance adjusters. The Office of Program and Policy Analysis %26 Government Accountability (OPAGGA) conducted a study in the state of Florida, which showed that public appraisers negotiate up to 747% greater agreement (before eliminating contingency payments) with insurance companies for commercial businesses and homeowners claims for loss of property for which the insurance company intended to pay.
This shows how important it is for homeowners to consult with a public insurance adjuster, as they can help them receive as much of their insurance claim as possible. They also help clients negotiate with contractors and their insurer. Having an adjuster throughout the process not only protects the policyholder from any inconvenience due to lack of experience, but it is a slow process that is then laborious on the part of the appraiser. A public appraiser uses their experience and skill set to ensure a proper claim agreement to make repairs as a result of the claim event.
Policyholders should be aware that they are claiming the right amount and hiring a public appraiser can help guarantee this. This is positive proof that, by using a public adjuster, you are guaranteed much more money for your insurance claim. If you're in the process of filing a claim with your insurance company, it may be worth hiring a public appraiser. Contact a Tutwiler %26 Associates public appraiser if you have any questions or would like a free consultation about a property insurance claim.
The fact is, by letting a public adjuster handle your claim, things will move faster than if you were to process it yourself. Often, public adjusters are members of their professional organization, requiring certain skill standards. Unlike an insurance company's appraiser, a public claims adjuster represents the insured's best interests and seeks to achieve a fair settlement in the event of unexpected property damage, in accordance with the provisions of the existing insurance policy. Your public adjuster will handle important meetings, messages, phone calls, and paperwork related to your case.
Because public appraisers have the knowledge and experience to understand insurance claims, are experienced in processing the necessary documentation, and use the appropriate language to communicate with your insurance company, your insurance claim could be processed faster. A public adjuster can help them reopen a claim and file a supplemental claim for additional payments with their insurer. A public appraiser also acts as an external resource that can be named as a witness if more aggressive action is required to obtain a fair settlement. Any insurance company may refuse to negotiate with a public adjuster or refuse to pay the agreement desired by the policyholder.
You'd be surprised to learn that public adjusters have incredible knowledge and experience when it comes to preparing detailed damage reports.