When to Hire a Public Adjuster

Wind damage for tornado

Imagine this scenario: a tornado blows through your town and inflicts substantial amounts of damage on your home, with high winds tearing off parts of your roof and flattening your garage. You contact your insurance company to make a claim and their adjustor will only agree to pay out a fraction of the cost of repairs. Do you have any recourse? You do if you hire a public adjuster: here’s a quick overview of how this type of professional can help.

 Unlike an adjuster who works for your insurance company, a public adjuster works for YOU: the policy-holder. He will bring in a team of inspection professionals who can make their own determinations and bring a more impartial view to the claims process. He will act as your representative and negotiate on the scope of damages on your behalf. In many cases, a public adjuster can negotiate significant increases in property insurance settlements so you can better get your life back in order.

So when should you hire a public adjuster? A good rule of thumb is to bring one in whenever you make a property insurance claim that runs into the thousands of dollars. You want to be sure that your interests are being looked after and that the insurance company is treating you fairly. When choosing a public adjuster, be sure to select one that is accredited, has years of experience in the field, is licensed in your particular state and holds an ACA accreditation.

When to Call an Insurance Public Adjuster

Fire - Accredited Public Adjusters

It can happen to anyone at any time. Fire, wind and water damage wreak havoc on homeowners nationwide each and every day: disrupting daily activities and costing a fortune in repair and restoration costs. In fact, according to the National Fire Protection Association, fire alone causes over 12.5 billion dollars in property damage in the United States yearly. Dealing with the insurance company can be an added headache for homeowners: Knowing when you should call in a professional public adjuster to help mediate the claim process is easy, before all the headaches begin for you.

–If you don’t think you are being treated fairly by your insurance company’s adjuster. Sometimes it seems like it can take forever to get that claim check back, doesn’t it? Or maybe you don’t think you’re being treated fairly by the company in terms of what they’re willing to pay for your losses. Too many homeowners feel helpless in the face of large, powerful insurance companies who seem to attempt to pay out only the bare-bones minimum. A public adjuster can take a more impartial, third-party look at your claim and help determine if you are entitled to more. He is on your side, rather than on the side of the insurance company: and that is definitely empowering.

–A public adjuster will follow the same basic process as your insurance company’s professional, only from a different perspective. He can make sense of complicated homeowners’ policies and use his extensive knowledge in the industry to make sure your contract is being followed to the “t.” You will have to pay extra of course – usually a percentage of your eventual claim – for this service; but in many cases, the supplemental monies received makes hiring a public adjuster affordable for just about everyone. Remember paying out 20% on money you would not have never seen is better than 100% of nothing.

–When choosing your public adjuster, be sure you select one that has a reputation for excellence in the industry. Like anything else, there are good ones and not so good ones. Selecting one with a lower competence level may just add to your claims nightmare rather than improving it. The best ones will have extensive backgrounds in construction as well as disaster mitigation and cleanup and they use that knowledge for your benefit. Smart homeowners will already have researched and selected a public adjuster and have a name on file before a disaster occurs rather than scramble around in the heat of the moment.

Dealing with a property emergency or disaster is tough enough without having to hassle with your insurance claim: isn’t it nice to know you have an additional resource that can provide the help you need when you need it?