Public insurance adjusters are the insurance industries best kept secret. These are experts who represent you when a loss occurs on your business, commercial, or residential property. Insurance companies have their legislative body; You need someone who is completely loyal to you because loss adjusting is no joke. And good Public Adjusters are as loyal as they come.
When it comes to public adjuster services, hurricane-prone state Florida has embraced them in a big way. This is because for many homeowners, a property damage claim is unfamiliar territory. The documents are full of difficult jargon and calculations only a claims adjuster can understand: depreciation, replacement costs, and actual cash value, etc. Sometimes the list seems endless, particularly when you have too much on your hands just to get your life together again. But the onus is on you to file a claim with your insurance company, either yourself or with the help of claims adjusters.
Many policyholders like you have asked the same question: How do I calculate my loss? Will I recover enough funds to rebuild? Can I do this on my own, without a public insurance adjuster? You could, but it will probably take a long time and you won’t get the funds you deserve.
First, let’s understand what a Public Adjuster is. Public insurance adjusters work entirely for you, the policy holder. There are many different types of claims adjusters.
o A company adjuster (often referred to as the “insurance adjuster”) works for the insurance company.
o A freelance adjuster also works for the insurance companies and not for the policyholders. They are independent agents and may be working for numerous insurance companies as claims adjusters.
o A public adjuster represents the only group of adjusters that works entirely for policyholders and in no way for insurance companies. This means that there is no inherent disagreement of care when it comes to advocating on your behalf before the insurance company.
Public adjusters will generally contact you to adjust claims after a disaster. It’s important that you know what to ask so you can tell the difference between incumbents and subsidiaries from everyone else.
Public insurance adjusters can help:
o Evaluate your policy to help present the strongest probable claim to your insurance company;
o Measure and document the damage to the appearance and prove your losses: your house, your belongings and your extra cost of living of operation;
o Negotiate on your behalf with your insurance company;
o advise you on your options and keep you informed every step of the way;
o Settle your claim for the greater amount; and
o Give you time to focus on personal recovery
Most importantly, you must find good public adjusters. Florida-based All States Public Adjusters is a company that has risen to the spotlight with its ethical and effective services.