A public adjuster is the person you should call as soon as a storm or any other natural disaster hits your property. Yes! You need to call them before you call your insurance company — unless it’s an emergency situation where you must call 911 first. It’s okay if you’ve already started the claim process because they take on existing claims and claims for which you’ve already received a settlement.
Public adjusters help you navigate the process of insurance coverage for storm damage. They handle the communication and negotiation with insurance companies to maximize your settlement and relieve you of the stress of handling the storm recovery process alone. Ultimately, they save you time, money and effort while ensuring insurance adjusters do not short-change you. The following are the major benefits of using a public adjuster for storm damage loss recovery.
Handle Communication With Insurance Companies
The role of public adjusters is to take the stress of handling property insurance claims off your hands. They represent you during a homeowner’s insurance claim process by maintaining open lines of communication with your insurance provider. When working with professional public adjusters, you can expect zero calls, emails or texts from them or your insurer until your claim is settled.
A public adjuster takes care of other aspects of the claim process, including:
- Reviewing your insurance policy to determine how much you can recover.
- Performing on-site analysis and preparing a detailed repair cost estimate.
- Documenting all the damages to strengthen your claim.
- Identifying anything the insurance adjuster may have missed.
The best public adjusting companies find you temporary residences if your home is uninhabitable during the assessment and repair period.
Fetch You the Highest Insurance Settlement
Many homeowners don’t understand their home insurance coverage for storm damage. As a result, they lose out on hundreds to thousands of dollars in settlement fees. Even worse, insurance companies impose stringent storm damage policies and hire insurance adjusters to minimize your claim and maximize their profits.
Public adjusters are the only ones who can get you the maximum payout from your property insurer. They can handle new, existing and resolved claims. However, the latter are time-bound. A public adjuster assesses damages to your property and negotiates for the highest settlement to cover repair costs while minimizing out-of-pocket expenses.
No Upfront or Hidden Fees
A majority of public adjusters work with clients on a contingency basis. This means they start following up on your claim without charging upfront fees. Their pay is typically a percentage of your recovered settlement without hidden fees. They negotiate for a settlement that leaves you enough money to fix your home or business to its condition before the storm, even after paying them.
They’re incentivized to negotiate the best possible settlement amount for you so they can earn a bigger commission. The best public adjusting companies also offer a free, no-strings-attached consultation to help you assess your claim and how much payout you deserve. They can also advise you on whether it’s worth pushing your insurer or you can settle the damages out of pocket.
Experts in the Insurance Claims Process
Public adjusters for storm damage have the training and licensure to help property owners get a fair settlement for their homeowner’s insurance claims. They possess extensive knowledge and expertise to navigate the complex home insurance claim process. They also understand how the laws and regulations of different states work, as well as local building codes and ordinances relevant to property insurance.
While it may be difficult for you to break down insurance policies, public adjusters are familiar with the language used in them and can interpret them accurately. This also means they know the stipulations for home insurance coverage from storms, the enforcement of these insurance policies and the proper procedure to follow when documenting damages to avoid claim denial. Besides, they understand your rights as a property owner and utilize these to make a strong case for monetary settlement.
With a public adjuster on your side, you also get to explore all your options before settling on a payout. They also possess techniques and technology to evaluate the value of your losses and damages accurately and have tips on the cost of repairs in your area so there’s no way you’ll get a low-ball offer. Additionally, they have connections to top-level roofers, plumbers, electricians and other contractors you need to rebuild your property.
Work for You, Not the Insurance Company
Unlike insurance adjusters who work for insurance companies to minimize the potential cost of damages on your property, public adjusters work for policyholders to maximize your settlement. They do a much better job detailing your claim than insurance adjusters because they aim to get you enough money to repair your property after a storm.
Public adjusters streamline the claim process for you by handling communications, filling out the necessary paperwork, attending important gatherings, meeting deadlines and negotiating claim settlements. When you hire an insurance adjuster, they take charge of documenting the damages so you don’t have to. They spare you the stress and confusion of navigating home insurance coverage claims from storms and save you time by ensuring your claim process moves fast.
Adjusters can uncover even the smallest damages because they have access to high-quality technology like laser tapes and moisture meters. They also take pictures of your property room by room to ensure the insurance company gets the full picture of the storm damages.
An adjuster will not leave anything to chance. They ensure you get compensation for damages to the physical structure of your home, fences, garages and sheds. They also account for damaged contents in any of these places, additional living expenses and the cost of business interruption.
Work With Reliable Public Adjusters From Performance Adjusting
You deserve to get the most money for your home insurance coverage claims for storm damage. Our trained and licensed public adjusters from Performance Adjusting can help you achieve that fast and efficiently. We have over 15 years of experience in the public adjusting industry, so we’re well-versed with the logistical, financial and legal complexities of claims our clients bring to us.
Our team comprises specialized members like adjusters, loss consultants, customer service reps and processors to ensure every step of your claim process is handled in the best way. Call us today at 401-724-9111 for a free consultation or to get answers to any questions regarding your storm damage claim.
