Should I Hire a Public Adjuster or a Lawyer?

When disaster strikes and it’s time to turn to insurance, there are a few ways to go about it. Since many home and insurance disaster companies notoriously lowball homeowners who face life-changing damages, many homeowners will hire a public adjuster or lawyer to help navigate the claims process. While both can help you with this process, they have different roles and expertise. Understanding these differences can help you make the best decision for your situation.

What is a Public Adjuster

A public adjuster is a licensed insurance claims handler who is hired independently by homeowners to help them file and negotiate insurance claims after some kind of property damage. Don’t confuse public adjusters with independent adjusters. Independent adjusters work for insurance companies to evaluate home damages and offer compensation based on what the insurance company thinks is the appropriate amount they should pay. Oftentimes, this number is much too low to be able to properly restore a home after a fire. Public adjusters fight against the insurance company to get higher insurance payouts.

Key Benefits of Hiring a Public Adjuster

The choice is a no-brainer when it comes to hiring a public adjusting company. Studies have found that the payouts are 747% higher for policyholders who use public adjusters. Some of the key benefits of hiring a public adjuster include:

• Expert evaluation of damages.
• Negotiation skills for better payouts.
• Time-saving through process management.

What Is a Lawyer’s Role in Insurance Claims?

A lawyer or attorney can be used to battle with insurance after a prepared claim has been denied or an insurance company has acted in bad faith. Hiring a lawyer is only a preferred choice when your insurance outright refuses your claim. Although they are able to legally negotiate with the insurance company, something a public adjuster can’t do, they are not as equipped to assess damage and adequately evaluate claims.

Key Benefits of Hiring a Lawyer

Hiring a lawyer is a great way to handle denied, underpaid or delayed claims. They are able to expertly navigate all legal aspects of insurance claims and take action accordingly.

• Legal expertise in identifying bad faith practices.
• Representation in court for complex cases.
• Comprehensive support for contract interpretation.

How to Decide: Factors to Consider

Choosing between a public adjuster and a lawyer comes down to the type of claim you are dealing with. Consider these factors:

Type of Claim

For simple home or property damage claims, a public adjuster is generally the better option as they can handle the process quickly and seamlessly. However, if your claim is denied, it may be advantageous to hire an attorney for legal intervention. Complex claims may require both professionals.

Settlement Urgency

A major appeal of public adjusters is the speed at which they can handle the claim submission and settlement process. It can take months to get your payout without the help from professionals. Especially in the case of a disaster that leaves your home uninhabitable, a public adjuster can quickly evaluate your damage, submit your claim and get your settlement so that you can move in faster. Legal cases will generally take much longer than claims handled by public adjusters.

Hiring a Public Adjuster for Quick Insurance Settlements

Insurance claims can be difficult terrain to navigate for a homeowner, and without proper representation, you can face unfair denial or low settlements. Consider your claim and timeline and choose a representative that will most usefully defend you. Property Claims Consultant fight for homeowners and property owners, disputing with insurance companies to bring the highest settlement. Contact Property Claims Consultant for expert claim assistance!