When it comes to filing an insurance claim, having a public adjuster on your side can be invaluable. A public adjuster is a professional who works on behalf of policyholders to assess damages, determine an estimate of the cost, and negotiate with the insurance company. Their goal is to maximize the claim and ensure that the policyholder receives the best possible outcome. Individuals and businesses may choose to hire a public adjuster if they have had bad experiences with claims in the past or if their personal or professional situation makes it difficult for them to manage all the details.
A public adjuster is an independent insurance professional who can be hired to represent you when documenting and negotiating your insurance claim. When hiring a public adjuster, it's important to read your contracts in full and never pay them in advance. The rate will be based on the amount of the settlement. If you're facing a major claim with a potentially high payout, consider the price before making a decision.
It's also important to review the policy with any public adjuster you are considering hiring before actually hiring them. Public adjusters are especially important after a major natural disaster, as they can help you receive more from your claim than you would have received otherwise. According to one report, those who used public adjusters for non-catastrophic claims received settlements that were 58.4 percent higher. Be wary of scammers or people posing as public adjusters after a natural disaster.
Verify that the public adjuster is a member of your state's trade association, which will have codes of ethics. If you're considering filing an insurance claim, hiring a public adjuster can be beneficial in many ways. They can help you assess damages, determine an estimate of the cost, and negotiate with your insurance company on your behalf. With their help, you can ensure that you receive the best possible outcome from your claim.