How a Public Adjuster Can Help You

How a Public Adjuster Can Help You

Public claims adjusters are insurance claim professionals who can maximize your final settlement amount considerably. However, many people wonder how a public adjuster actually helps following a disaster. Before hiring a public adjuster for property claims in Central Florida, here is everything you need to know.

Most homeowners don't fully understand their policies

Most people do not know their insurance policies as well as they should. Truthfully, most homeowners barely understand their insurance policies at all. Sure, you may have an overview of what your policy covers, but you don't have a handle on all the small details. On the other hand, a public adjuster clearly understands the specific details of your policy because they are insurance experts.

Public adjusters are not affiliated with your insurance carrier

Many people get confused about the role of a public adjuster because insurance companies hire their own adjusters to research their claims. The independent adjusters hired by insurance companies are not really independent because your insurance company pays them. Their job is to protect the interests of your insurance carrier first, and your interests are secondary. When property owners file loss claims, it is not uncommon for an independent adjuster to tell them that certain things are not valid because of omissions or clauses in their policy. Consequently, property owners who are already stressed over the disaster they experienced have no desire to fight with their insurance carrier on their estimate of the loss.

It is essential to remember that insurance companies are for-profit entities. It is their responsibility to make money for their stakeholders. Therefore, it is always in their best interest to pay you the least amount of money you are entitled to, so that is their goal with every claim. Hiring a public adjuster with no affiliation to your insurance carrier means you have an industry expert working strictly on your behalf. You pay them to help you fight back against the insurance industry.

The best public adjusters are thorough

A pubic adjuster will examine the fine details in your insurance policy and frame its coverage against your property loss claim. A public adjuster's job is to be thorough with your property claims in Central Florida. Handling a claim thoroughly sets a good adjuster apart from the average ones. In addition, through a thorough examination of your policy, the public adjuster can identify the areas of weaknesses and strengths to leverage their negotiations for the total compensation you are legally entitled to.

Many public adjusters have worked for insurance companies

Many of the best public claims adjusters have a background in claims adjusting for insurance companies. They often work for decades as company adjusters before they decide to move to the other side of the table. They have the experience and expertise in the industry to know how insurance companies operate and how to negotiate to get you the best possible settlement. Unfortunately, your policy is full of complicated language that requires an expert to interpret.

We hope this information helps you better understand how a public insurance claims adjuster can help with your property claims in Central Florida. So call us today for a free consultation. We are here to help!

To Top