Is your home damaged? Are your belongings ruined? Did your life turn upside down? In such times, filing an insurance claim is crucial to getting the financial support you need to rebuild.
Who should you trust to handle your claim? A public adjuster. A natural disaster claims adjuster can change your whole life around. Let’s get into what each of these does and decide which one is right for you.
What is the Role of an Insurance Adjuster?
Insurance adjusters work for the insurance company, not you.
When something bad happens, like a big storm, your insurance company will send someone to look at the damage. Furthermore, this person is called an insurance adjuster. They’re supposed to figure out how much money the insurance company should give you to fix things.
But remember, the adjuster works for the insurance company. Their job is to save the company money, not give you more. They might try to find ways to pay you less or even say you don’t deserve any money at all.
For example, if a big windstorm rips off your roof, the adjuster might say only part of the roof is damaged. Or they could say the damage is old and not caused by the storm. This means you might not get enough money to fix everything. For example,
The Benefits of Hiring a Public Adjuster
Similarly, a public adjuster is an independent professional solely working for you, the policyholder. Once you bring in a public adjuster, they will take care of everything that revolves around your claim, from documenting the damage to negotiating with the insurance company. Their main job is to make sure that you obtain the highest compensation possible.
Another benefit of hiring a public adjuster is that they understand insurance policies well. They are familiar with every detail in small print and can tell where you should be compensated more.
For instance, if your house floods, a public adjuster will ensure that such expenses as temporary housing and debris removal among others are part of your claim.
A natural disaster claims adjuster is particularly useful in complex or large claims such as those arising from natural disasters. These professionals can identify and document all damages that an insurance agent may fail to notice. Furthermore, most of them operate on a contingent basis, meaning they only get paid if they receive compensation. This means they have their interests tied with yours to ensure they fight for the best outcome possible.
Key Differences: Who Has Your Best Interests at Heart?
Insurance adjusters work for the insurance company.
Their job is to figure out how much money the company should pay you after a disaster. But remember, they work for the insurance company, so they want to save the company money.
On the other hand, a public adjuster works for you, the homeowner. Their job is to get you the most money possible from your insurance company. They know all the rules and tricks, and they’ll fight to make sure you get what you deserve.
Imagine a big storm wrecking your house. An insurance adjuster might say, “Oh, that damage is old” or “You don’t need to replace that.” But a public adjuster will say, “This damage is new, and you need to replace everything.”
Conclusion: Making the Right Choice for Your Claim
After a natural disaster, the last thing you need is a lowball offer from your insurance company. They just double the stress. When you choose a public adjuster over an insurance adjuster, it can impact the outcome of your claim. We suggest you go for a natural disaster claims adjuster, they are on your side.
This is your time to call Premier Public Adjusters. Our team will come over, check out the damages. They will fight till the very end to make ends meet. Give us a Call today!