If you are a property owner in New Jersey, you know how much damage natural disasters like hurricanes can cause. It can be challenging to handle natural disasters damage insurance claims alone. That is why many people turn to public adjusters for help. But is hiring an adjuster worth it? It would help to discuss the pros and cons of hiring an adjuster in New Jersey for your natural disaster damage claims.

4 Pros And Cons Of Hiring An Public Adjuster In New Jersey For Your Natural Disaster Damage Claims

Pros of Hiring a Public Adjuster:

  • Expertise and Experience

Professional public adjusters have years of experience and expertise handling insurance claims, specifically for natural disasters. They know the rules and laws that your state’s insurance industry follows. These can be challenging and daunting for a policyholder who never had to deal with a claim before.

A public adjuster can help ensure you receive the highest possible settlement for your damages. They have the expertise required to accurately determine the extent of the damage and represent you in negotiations with the insurance provider.

  • Time-Saving

A natural disaster’s aftermath can be time-consuming and daunting. By hiring an adjuster, you can save time and focus on getting your life back to normal while they handle the claims process for you.

  • Higher Settlement

Public adjusters can find every possible source of compensation for your damages. They will work diligently to ensure you receive the highest possible settlement for your losses.

  • Stress-Relief

Dealing with a natural disaster’s aftermath can be immensely stressful and daunting. Navigating the intricate and perplexing world of insurance claims should be your last concern. By hiring a public adjuster, you can rest easy knowing that a professional is handling your claim and fighting for your best interests. 

They will handle all correspondence with the insurance provider and related paperwork. This will free up your attention so you may concentrate on restoring order to your life and property.

Cons of Hiring a Public Adjuster:

  • Cost

Hiring a reputable and experienced public adjuster will ensure your damages are covered to the maximum extent, and their fee will not diminish the settlement for the insured.

  • Bad Reputation

Unfortunately, some unscrupulous public adjusters out there take advantage of their clients. It is essential to thoroughly research any public adjuster you are considering hiring to ensure they have a good reputation and have a license and insurance.

  • Limited Control

When you hire a public adjuster, you give them control over the claims process. While they will keep you informed, you will have less to say in the negotiations or decisions made regarding your claim.

If you decide to hire a public adjuster in New Jersey, do your homework and pick a qualified, insured, and reputable person. To ensure they are in good standing, search for internet reviews, contact references, and verify with the state’s Department of Banking and Insurance. At Premier Public Adjusters, we offer free policy review and inspection of the damages before engaging with the insurance company in filing a claim.