What Is a Public Adjuster?

The entire process of filing insurance claims and getting a payout can be long, winding, and tedious. You may have heard that a public adjuster can make it a lot easier to get your claims settled. But what is a public adjuster? Many insurance policy holders don't really know the answer to this question. Here we discuss what is a public adjuster, how they can help you settle your claims, and why hiring one can be good for you.

To learn more and get started working with an insurance adjusters throughout Missouri, Illinois, Texas, or Florida, contact Claims Adjusters online or by phone today.

What is a Public Adjuster and Why Do You Need One?

A public adjuster is an independent insurance professional who can be hired by a property owner to settle an insurance claim they have filed or need to file. A public adjuster is different from an insurance claims adjuster appointed by the insurance company because the insurance adjuster hired by the insurer works for them and not for you.

The public adjuster you hire does not have anything to do with your insurance company. Public adjusters you hire will receive their commission from you and will always work in your favor.

Public adjusters are experienced in handling insurance claims and are expert negotiators. Their experience in the field of insurance gives them a thorough understanding of how the industry functions. They can easily comprehend the critical and formal language used in your insurance policy, which is otherwise hard for common people to fully understand. The public adjuster helps you better understand the terms and conditions of your insurance policy.

Public adjusters also have their own fields of specialization. For example, a property damage claim adjuster will have prior experience in real estate or construction and is specially equipped to assess damages to real-estate property. An automobile insurance claims adjuster will have experience in the automobile industry and has immense knowledge of the automobile industry to help them make accurate estimates of damages.

The public adjuster can also help you draft your claim properly, with the right kind of language, descriptions, and assessments to ensure that your claims are solid.

Know Your Public Adjuster Before Hiring One

If you are thinking of hiring a public adjuster, it is important that you do a little research before choosing one. Here are a few things you should look at.

• Check the credentials: A public adjuster must be licensed to handle the kind of claim you are filing. Make sure that you check these qualifications as well as their previous experience in the field. Choose a public adjuster who has more positive reviews and feedback from former clients.
• Choose a responsive public adjuster: Your public adjuster must be available and approachable when you need them. Make sure that the public adjuster you choose responds to your messages or calls on time.
• Make sure they are transparent in their dealings: A reliable public adjuster will always practice transparency and honesty in their transactions. Make sure to decide on the public adjuster's commission before you hire them and ensure there are no hidden costs or terms that may put you in a tough spot later.

If you are looking for a trusted and reliable public insurance adjuster service in Missouri, Texas, Illinois, Florida, or other states, get in touch with Claims Adjusters at 800-259-0913 for a free consultation.