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?

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