The claim and repair process can take a long time, and you may want to consider hiring a public adjuster at any point during the process. Public adjusters are professionals who specialize in filing and negotiating claims for damage caused by floods, fires, smoke, wind, hurricanes, and other hazards. They can also evaluate other types of losses, such as business revenues. If you think your insurance company is neglecting you or if you need to file a claim with them, hiring a public adjuster is a wise decision.
They will manage the claims process and handle all negotiations with insurance companies, working to obtain the highest compensation for all damages you have incurred. Government statistics show that those who worked with a public adjuster were paid 574% higher than those who didn't. 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. Before hiring one, it is essential to check references and agree on rates and terms.
A public adjuster will also ensure that your claim includes all related expenses that have resulted from damage to the insured property. Unlike insurance company appraisers, public adjusters are independent and charge between 10 and 20% of their settlement for their services. 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 adjuster for help. 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.