Dealing with a property damage claim can be overwhelming, time-consuming, and extremely stressful. When you file an insurance claim, a representative from the insurance company reviews your claim and estimates your payout based on the damage. Unfortunately, the carrier may attempt to underpay or even deny your claim altogether, and to add insult to injury, this can happen even after a long wait for their decision! This means delayed payment, delayed repairs and major delays in getting your life back to normal. For the policyholder, it’s often a confusing guessing game of hurry up and wait.
If you want to be sure that everything is done to receive a fair and balanced settlement as quickly as possible, hire a Public Adjuster (PA). A PA is a licensed professional who helps policyholders throughout the insurance claim settlement process. A PA has no relationship with the carrier and works independently on your behalf. A PA represents your interests at each stage of your claim and keeps you well-informed throughout the entire process.
Public Adjusters Provide:
- Detailed Insurance Policy Review
- Claim Assessment
- Correspondence & Communications With Your Insurance Company
- Meetings & Communications with Insurance Adjusters
- Meetings & Communications with Contractors, Restoration & Remediation Companies
- Paperwork & Documentation Management: Including Reporting, Photos, Damage Assessments, Measurements
- Collaboration with Industry-Leading Experts & Legal Counsel
5 Ways a Public Adjuster Maximizes Your Claim Settlement
1. Conducts An Accurate Assessment
While assessing your property damage and creating your claim, it’s easy to miss important items. A PA manages all aspects of your claim from start to finish, taking an enormous load off your shoulders. A PA carefully reviews your policy and coverage, conducts damage assessments, gathers paperwork, reports, photos and measurements. A PA is able to provide an accurate estimate of the total damages, including hidden damages that may not be immediately visible.
2. Manages Documentation & Paperwork & Saves You Time
Managing your claim can easily be a full-time job. Insurance comes with a lot of paperwork, confusing legalese, verbiage on exclusions and deductions, and a whole lot of fine print. A PA helps you understand how your policy works, what is covered and what is not. With a PA working for you, you won’t even have to talk to your insurance company. A PA will manage all communications for you.
3. Provides Expert Negotiation With Your Insurance Carrier
A PA removes the hassle and headache of the back and forth in communications. Your PA will spare you hours of correspondence, documentation, and review, so you can focus on regaining a sense of normalcy and getting your life back to normal. A PA understands the insurance business and is experienced in the claims handling process and works as quickly as possible to expedite payments.
4. Collaborates with Industry-Leading Experts
PAs work with Attorneys, Engineers, Appraisers, Umpires, Forensic Accountants, Contractors, and other relevant parties to ensure you have all the necessary reporting, estimates, bids and documentation necessary to support your claim. PAs know when to pull in an expert and when additional supporting documentation is needed.
5. Speeds Up the Resolution
PAs work diligently to resolve claims quickly, minimizing the stress and disruption to your life from a messy, prolonged claims process.