After property damage in RI, you probably don’t want to deal with the stress of an insurance claim. Filing the claim, having your insurance company come out, countless emails and phone calls, and then finally getting your settlement check and realizing it’s not going to be enough money. So, your friends tell you that you should get some help. But what kind of help should I get? Who can help me with this? What’s a public adjuster? Can a lawyer help me? Should I hire a public adjuster or a lawyer?
What is a public adjuster?
A public adjuster is someone you hire to help you with your property damage insurance claim. They work for you, not your insurance company, so they have your best interest in mind. They take on the whole claims process so that you don’t have to do any of the grunt work. After extensive home damage a public adjuster can work with you to get paperwork done, meet deadlines and advocate for you.
What is a lawyer?
Most people already understand the concept of a lawyer. But specifically, for insurance claims, you can hire a lawyer to represent you against your insurance company (just like a public adjuster). They will work on your claim just as a public adjuster would.
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What is the difference between a public adjuster and a lawyer?
Although both will represent you against your insurance company during the property damage insurance claim process, there are a few key differences between the two of them that will help you determine if you should hire a public adjuster or a lawyer.
Payment
Public adjusters take a smaller fee than a lawyer would. Public adjusters typically take a 10-15% cut of the settlement at the end of your claim (we only take 10!). On the other hand, lawyers will take on average 33% of your claim or charge you by the hour. Not only will this leave you with less than enough money to actually fix the damages, but if they charge you hourly, it will come out of your pocket.
Size of claim
Some lawyers may refuse to take on your case if they believe that your settlement is not worth a lot of money (to them). Insurance claims are known to be lots of back and forth between you (or your hired help) and your insurance company, lots of paperwork and administrative work, and overall a headache! Public adjusters don’t mind how big or small, they are there to help you no matter what.
Performance adjusting takes on claims no matter what the size is
When should I hire a lawyer for an insurance claim?
The only reasonable time to hire a lawyer for your insurance claim is if it is denied. If your claim is denied, we as public adjusters can’t do anything about it. A lawyer can help you with this. Although if your claim is not denied, hiring a public adjuster in RI is your best bet. It is more cost effective and generally a better idea than the hassle associated with a lawyer.
When should I hire a public adjuster for an insurance claim?
Whenever you have property damage!
How do I hire a public adjuster for my insurance claim?
Easy! Give us a call at 401-724-9111 or fill out the form below for any questions you may have or to set up your free, no strings attached consultation. We are the largest and most well-known public adjusting company in the state and would happy to take a look at any property damage you may have, no matter the size!
