When it comes to insurance claims, a public adjuster is an invaluable asset. They are the only type of claims adjuster that can legally represent an insured's rights during the insurance claim process. A public adjuster is employed by the homeowner or landlord and is paid a percentage of the claim amount when the claim is settled. Robert is a UP volunteer and licensed public adjuster based in the San Francisco Bay Area with Crown Adjusting, LLC.
He explains that hiring a public adjuster can be beneficial if you have a potentially significant claim and are concerned that everything is covered. They can also be helpful if you don't have time to work through the slow payment process or if you think your insurance company has offered you less than you're owed. A public adjuster will act as a liaison between you and your insurance company, so you never have to talk to a representative or negotiate yourself. They will evaluate the damage to your property, help determine the extent of the repairs, and evaluate the replacement value of those repairs.
This ensures that nothing is omitted in the claim and in the settlement of the claim. The hourly rate for a public adjuster will depend on the state in which you are located, their experience and knowledge, your operating costs, and the type of policy to which your application pertains. Professional Insurance Evaluations, a publicly owned independent claims adjustment and insurance evaluation company, specializes in the recovery and mediation of claims, as well as in the analysis of insurance policies for businesses and homeowners. When looking for a public adjuster, it's important to find an experienced one with good references who will accept you as a customer for a fair price. 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.
The best time to hire a public claims adjuster is before you file the claim or at the beginning of the grievance process. Thanks to their experience and determination to find everything possible, public adjusters can help ensure that policyholders are claiming the right amount. In California, they can only work with insurance claims related to personal or commercial property damage.