First, a reputable public adjuster will come to your home and evaluate your policy and coverage at no charge. They will educate you on the type of policy you have, what amounts you are covered for, and provide a (no claim) opinion and assistance. In other words, let's say you call your Insurance company because you think you have damage. Let's assume it is something that is not covered. Simply by calling them you are assigned a claim number which means you now have a claims history even though you were not covered for that event. Calling for an independent appraiser to come out and look and tell you it's not covered will not affect your claims history. They will also advise you when not to file a claim, which protects the homeowner from unnecessary denials.
Second, it's important to use a public adjuster because when you file a claim, the Insurance company sends out a highly trained adjuster who works for the Insurance company. A good adjuster is a highly trained expert who will negotiate on your (the homeowners) behalf. Simply put, a public adjuster will level the playing field in your favor.
Third, a Public Adjuster will take on the task of dealing with the Insurance company. They will take care of all the paperwork, phone calls and letters back and forth. They will also meet with the Insurance company adjuster, prepare the estimates rather than you having to get estimates. Which allows you the homeowner to continue with your life, and eliminate the emotions of handling a claim. They will also meet with contractors on all appointments as well as bring in engineers and industry experts as needed.
Fourth, a Public Adjuster knows what to do next. As you can see from the previous paragraphs there is a lot to do when filing a claim. That was just the tip of the iceberg. A good public adjuster will always stay one step ahead for you rather than waiting and reacting.
Lastly and most importantly, a public adjuster will maximize your settlement. They will identify materials correctly. They will use professional policy language and present the claim properly which in turn will get the homeowner more money. They will find and present all of the claim which again means full payment for your loss. A good public adjuster can really be your one call solution when you suffer a loss.
By: Jeffrey Wagner