When natural disasters strike, properties get damaged or destroyed.  Floods, fires, hail storms, broken pipes and strong winds can destroy homes and businesses.  When these unfortunate events happen you must be ready to file your claim with the insurance company.  You may need a little paint or perhaps a whole new roof, but it could be much worse.  All of your property in might need to be replaced or at a minimum cleaned or repaired.  Insurance is meant to protect us, at least that what insurance companies tell us.  We pay small monthly premiums in exchange for protection when a disaster strikes.  Do you remember signing up for insurance?  I imagine the sales people were all very nice and friendly.  They probably offered you the best deals and tried over and over again to ensure you that their company would take care of you in the event of a disaster.

Most insured’s find it is the complete opposite when you try to collect after a loss.  Insurance companies do not want to pay out what is rightfully due.  In fact, when you file a property damage claim, the insurance company automatically assigns someone to your case.  This person is called an insurance loss adjuster or a claims file examiner. I call them desk jockeys, because this person in my opinion has one function and only one function.  Making sure your claim pays out as little as possible.  Does that sound promising?  It might sound ironic, but you will need to protect yourself from the company that is supposedly protecting you.  How do you go about doing this?  Solicit the help of a public insurance adjuster.

A public adjuster is a third party contracted by you.  This person will have your best interests at heart, they will try and maximize your settlement.  If you begin thinking you can handle the claim on your own, think again.  Insurance companies and their agents have decades of experience in manipulating cases and ensuring minimal payouts.  They know all the rules and the ways in between them.  You probably are no insurance claims expert.  The good news is, public adjusters are the experts in dealing with insurance companies.  They know how to help you through all the paperwork, documentation and hassle so you won’t have to.  Your life has been filled with enough stress, dealing with disasters itself.

A public adjuster will help lower your blood pressure in this time of need.  If possible it is wise to do a small amount of preparation before disasters strike.  Collect documentation on everything you own over one hundred dollars in value.  Take pictures of your property.  After the loss, contact a public adjuster immediately so that they can begin to work on your case and submit the claim as soon as possible.  Navigate the great wide world of insurance claims alone can leave you feeling lost, abused and betrayed by your insurer.

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