What Does a Public Adjuster Do?

Public adjusters support you in insurance claims, ensuring you get the money you are entitled to. Insurance adjusters represent and protect insurance companies, while a public adjuster represents the public or individuals. A public adjuster will guide you through the process of filing a claim, from start to finish, starting with an inspection and assessment of the damaged property. They will determine the cost of the damage and how much coverage you can get under your current insurance policy. 

Dealing directly with an insurance company can be nearly impossible. A public adjuster will be in direct communication with your insurance company, negotiating on your behalf. Additionally, trying to decipher the ins and outs of your policy by yourself can lead to more confusion, especially if you’ve suffered a situation that may fall under multiple insurance policies. A public adjuster can navigate these issues to get you the most from each policy. 

When Should Your Hire One?

Certain disasters, like hurricanes and floods, are trickier issues for insurance coverage. This is because multiple types of damages can happen, which means multiple insurance coverages would be involved. You may have flood insurance and homeowners insurance and be unsure of which covers what damages. A public adjuster helps navigate the legalities and fine print with one or multiple coverages to get you the full compensation from each policy.

Benefits of Hiring a Public Adjuster

1. Save Time: Filling an insurance claim can take a lot of time and research. If you work full-time or have a busy life, you may not have the time to complete the forms and communicate with your insurance company. Public adjusters can take the weight off you by handling the process from start to finish. 
2. Get Your Insurance Settlement: Public adjusters work to protect the policyholders so that you get a fair and accurate claim payout. Insurance companies are less likely to withhold payouts when dealing with an experienced public adjuster. In the case the quote is too low, public adjusters will dispute it to get you your maximum  settlement 
3. Lower Stress: Public adjusters work closely with you, providing transparency through the claims process so that you can stay informed.

How Much Does a Public Adjuster Cost? 

The costs associated with public adjusters depend largely on how the firm operates, the size of the claim, the type of loss and the complexity of the damage. There are usually no hourly rates, but they will generally tell you what their estimated rate will be upfront. These will be discussed and added to a signed contract. Additionally, keep in mind that states regulate public adjuster fees. Their payment will usually be a certain percentage of the claim payout, this is also discussed beforehand. 

 If you are looking to file an insurance claim, contact us today at 760-815-3650 to speak with a public adjuster who can help ensure you get every penny you deserve.