When you file any type of claim with your insurance company, whether it is homeowner's insurance, auto insurance, or any other type of insurance policy, you will be assigned a claims adjuster. The claims adjuster works for the insurance company or is contracted with the insurance company, and his or her job is to assess you claim and determine what it is worth and how much the insurance company will cover. In many cases, working with the insurance company's adjuster is fine. However, there are times when it is more beneficial to work with a public adjuster, which is a professional that you hire yourself to assist you with your claims process. Some of the top reasons people hire public adjusters include the following:
Dealing with a Claim for a Large Loss
One of the most common reasons that people hire a public adjuster to work on their behalf is dealing with an especially large loss. For example, if your homes burns to the ground in a fire or is completely destroyed by a natural disaster, such as a hurricane, you will be facing a huge loss and you will need a fair settlement from your insurance company to rebuild your home and replace all of your belongings. A public adjuster will carefully review your insurance policy to understand your coverage and will then assess everything that you have lost and how much it will cost to rebuild and replace. You can count on a public adjuster to work hard for you and pay very close attention to detail.
Unhappy with the Adjuster Provided by the Insurance Company
When you're dealing with an insurance claim, you most likely want the issue settled in a timely manner so you can receive your settlement and repair or replace whatever has been lost or damaged. Thus, it can be very frustrating when you feel like your insurance company and the adjuster assigned to your case is not helping you with your claim. If the adjuster provided by the insurance company does not communicate with your well, is hard to get in touch with, or is unable to answer your questions, you may want to hire a public adjuster. A public adjuster works for you, so he or she will do whatever is necessary to get your claim resolved.
Disagreement About the Value of a Claim
People count on their insurance companies to provide a financial safety net in the event of loss or damage. However, there are situations where the amount that your insurance company will agree to pay after your deductible is not sufficient. Whether the adjuster provided by your insurance company is inexperienced and is not properly calculating the value of your claim or your insurance company just doesn't want to pay what you believe a claim is worth, a public adjuster can help. A public adjuster will do his or her own assessment of your claim to help determine exactly what it is worth.
