The claim and repair process can take a long time. You can hire a public appraiser any time during the process. For example, if the claim is resolved and additional damage is discovered during repairs, you may want to hire a public appraiser to assess the total cost. Public appraisers can file and negotiate claims for damage caused by floods, fires, smoke, wind and hurricanes, as well as for damage due to other hazards.
Property losses can also result in other types of losses, such as business revenues, that public appraisers can evaluate. When you file a claim, you may be fine on your own or you may do better if you hire help. It is an individual decision that you must make based on your own circumstances. A licensed public adjuster can be your representative and advocate in the process of “adjusting (processing) your claim and “settling” it (paying it).
Like any professional, some Public Adjusters are better than others. The last thing you need when you've suffered a major loss are additional problems, so evaluate carefully before hiring. Resist high-pressure sales pitches and don't hire prematurely. An insurance claim can be a lengthy process.
If you think your insurance company is neglecting you (it doesn't respond to your calls in a timely manner), it would be wise to expand your team to include a public appraiser. If you need to file a claim with your insurance company, hiring a public appraiser is a wise decision. They will manage the claims process and handle all negotiations with insurance companies. They will work to obtain the highest compensation for all damages (including owner or business expenses) you have incurred.
In fact, government statistics show that those who worked with a public appraiser were paid 574% higher than those who didn't. If you go directly to an attorney, your lawyer is likely to hire a public adjuster to investigate the claim. Once you decide that you want to hire claims help, the key is to find an experienced public appraiser with good references who will accept you as a customer for a fair price. For many, hiring a public appraiser means they have someone to think and negotiate on their behalf.
If the public adjuster questions the damage or how much it might cost to repair them, they may decide to go to a contractor for a second opinion. It is essential to check references and agree on rates and terms before entering into a contract with a public appraiser. A public adjuster can help them reopen a claim and file a supplemental claim for additional payments with their insurer. If you live in Nassau, Suffolk, Queens, Bronx, Manhattan, Brooklyn, Staten Island, or Westchester Counties and a pipe broke, you should call the Long Island public appraiser for help.
When your claim is relatively large or has many factors that complicate the situation, a public adjuster is the person you need on your side. Public appraisers are there to work for you, the policyholder, to help you recover financially from a loss. Visit the United policyholder claims help library, read your policy and endorsements (extras), and be sure to review the policy with any public adjuster you are considering hiring before actually hiring them. If you choose to do so, your public appraiser will act as a liaison so you never have to talk to a representative or negotiate yourself.
Public appraisers are professionals who must have a certain amount of knowledge and training. A public appraiser will also ensure that your claim includes all related expenses that have resulted from damage to the insured property. Unlike insurance company appraisers, who do not charge the policyholder anything additional, public appraisers are independent and charge between 10 and 20% of their settlement for their services. .