What Does a Public Adjuster Do?

Whenever disaster strikes, the first action most home or business owners take is to call their insurance company. The insurance company sends an insurance adjuster to assess the damage and prepare an estimate based on their assessment and knowledge. The insurance company will compare the estimate and the claim filed by the property owner. They then decide on a settlement amount, which unfortunately in many cases will be much lower than what you claim as the policyholder.

In this whole process, home and business owners often overlook the importance of a public adjuster, and it is not their fault. Many individuals are unaware - what does a public adjuster do after all? It is because of this lack of information that many insurance policyholders end up getting paid much less than what they should be getting.

Understanding exactly what a public adjuster does and how they can help, will help you get the most from your insurance claims. To learn more and get started working with a local claims adjuster in Missouri, Illinois, Texas, or Florida, contact Claims Adjusters online or by phone.

So, What Does a Public Adjuster Do & How Can They Help?

You already know the insurance company sends an insurance adjuster to your property to assess the damages you are claiming for. This insurance adjuster will be working free of cost for you, so why would you need a public adjuster as well? That is because the insurance adjuster is working for the insurance company and not on your behalf.

An insurance adjuster may be hired directly by the insurance companies, or they may be working independently, but they will ultimately have the insurance company’s best interests in mind. The public adjuster is an independent insurance adjuster who you can hire to calculate your damages and guide you in filing a claim appropriately.

Public adjusters are licensed by the state to represent the property owner in an insurance claims process. Public adjusters are experienced insurance professionals responsible for helping policyholders settle and maximize their claims. The public adjuster you hire can help you:

• Understand the terms and conditions of the insurance policy, including coverage types, limits, and so on
• Assess the damages thoroughly and ensure no damage is left out of the claim
• Evaluate the damages accurately from their knowledge of real estate and construction
• Prepare a detailed, itemized claim with all the estimates you are presenting
• Arrange all the documents necessary for filing your claim
• Negotiate with the insurance company on the settlement amount
• Maximize the settlement payout

What are the Pros of Hiring a Public Adjuster?

The biggest advantage of hiring a public adjuster is that they know the insurance business inside out. There is a lot of complicated paperwork and bureaucracy involved in the insurance claims process, which can be hard to navigate for most people. A public adjuster can guide you through this process so that you have an equal advantage in the whole situation. Public adjusters can level the playing field for you.

Contact Claims Adjusters to Hire a Reliable Public Adjuster

Now that you have the answer to the often-asked question - "what does a public adjuster do?" - you likely understand the importance of working with a public adjuster. If you are in the midst of filing an insurance claim, hiring a reliable public adjuster at the right time can save you time, effort, and most importantly, some hard-earned money.

For trustworthy public insurance adjusters services in Missouri, Texas, Illinois, Florida, and other states, call Claims Adjusters at 800-259-0913.