It is often challenging to deal with property damage and even more so when it comes to insurance claims. Public adjusters work for the policyholders and make sure they are compensated as per the loss they incurred. This is how public adjusters can get you the most for your property damage claim.
Getting to Know Public Adjusters
Public adjusters are persons who are licensed to represent policyholders and not the insurance companies. Their main duty is to evaluate the losses you have incurred and come up with a damage claim that is true to the losses you have incurred. Public adjusters work for you and do not have any intention to underpay you unlike the insurance company adjusters who their main aim is to reduce the amount they are supposed to pay to the clients.
Comprehensive Damage Assessment
Another benefit that comes with hiring a public adjuster is that the adjuster will be in a position to make an assessment of the damages. They also use sophisticated equipment and methods like moisture meter and thermal imaging to detect concealed damages which are not easily discernible. It helps to make sure that every single loss, right from the structural damage to the personal property, is captured in the claim. Public adjusters assist in the process of getting a better settlement by presenting a full picture of the damages.
Expertise in Insurance Policies
Public adjusters have a lot of knowledge about the insurance policies and the claims. They can understand the meaning of various policies, and thus make sure that you get all the entitlements you are supposed to get. Most homeowners are not fully aware of what they are covered for and public adjusters can help them find other claims that may be made such as additional living expenses if the house is not livable. By doing this they have the experience of handling insurance claims hence making sure that you get the highest possible amount.
Effective Negotiation Skills
Dealing with insurance companies is always a challenge given the fact that one is already under pressure due to loss of property. Public adjusters are experts in conducting negotiations with insurance providers, knowing their tricks of avoiding big payments. They speak for you and make sure that the claim is well supported by evidence and the actual extent of the loss is captured. They have prior experience in handling insurance adjusters hence improving your chances of getting a fair deal.
Timely Filing of Claims
The time within which one has to file the property damage claim is very important. If this is not done, the claim may be complicated or even denied all together due to delay. Public adjusters assist in the submission of all the required documents on time as per the insurance company’s timelines. This way, you do not have to wait for problems to surface during the claims process and your settlement is processed faster.
Processing of Claims When They are Filed
If you have already filed a claim and you felt that you were given a raw deal or the claim was outright rejected, then it is not too early to hire a public adjuster. They can look at your current claim, find out that there are some inconsistencies and then struggle to get you a better deal. They can be very useful in appealing initial decisions made by the insurance company and give you another shot at getting the compensation that you need.
Conclusion
It is highly advisable to employ a public adjuster since it would improve the possibility of getting a satisfactory and all-encompassing payment for property damage claims. Starting from the evaluation of the claims and knowledge of insurance policies up to the negotiations and the filing of the claims, public adjusters are valuable assets in the process. You can therefore seek their services to help you through the process of claiming for property damages while at the same time ensuring that you get the best deal to help you recover. In the event that you have property damage, you should hire a public adjuster to protect your rights and get the right amount of compensation.