Should I Use A Public Adjuster for property damage insurance claim

Should I Use A Public Adjuster?

If you’ve stumbled upon this page, you’ve either recently had some property damage or you’ve been dealing with a headache of an insurance claim for months on end. A common question for all property owners after any size or kind of property damage is: should I use a public adjuster?

In short, yes.

It’s always a good idea to hire a public adjuster for your property damage. Simply put, they get you the highest possible settlement for your insurance claim and you don’t pay any money out of pocket.

But are there any downsides? Well, no. Hiring a public adjuster means you get to sit back and relax while your claim gets settled. They don’t require any money up front which means you basically are getting free money (money you wouldn’t have gotten if you had filed a claim on your own). On average, public adjusters get you 747% more money for your property damage insurance claim!

public adjusters get you more money for your property damage insurance claim
Ready to hire a public adjuster?

What Is A Public Adjuster?

A public adjuster is someone who is licensed and trained to help homeowners and business owners alike to get the most money for their property damage. They are hired on by the property owner to represent them for their insurance claim.

Read more about what a public adjuster is and what they do by clicking here.

What Are The Benefits To Using A Public Adjuster?

There are plenty! To name a few, check out the infographic below.

benefits of using a public adjuster Infographic

Don’t I Already Have An Adjuster?

Yes, you do. But they don’t have your best interest in mind. They want to get you the least amount of money since they work at or for your insurance company. Although their job is to assess all of the damages they find at your property, don’t you think that they want to save as much time and money as possible?

What Are The Different Kinds Of Adjusters?

Company Adjuster – Someone from your insurance company that is sent out to assess the damage.

Independent Adjuster – Someone hired by your insurance company that is sent out to assess the damage.

Public Adjuster – Someone hired by you to assess the damage and negotiate against the company adjuster or inside adjuster to negotiate your claim.

Want to learn more about the difference between the different kinds of adjuster? Read more here.

What Does A Public Adjuster Get From Being Hired If They Don’t Get Any Money Upfront?

An absolutely fair question to ask. Everything in the world runs on money. Not only are public adjusters hired to get you the most money to benefit you, it also benefits the adjuster. Public adjusters take on average 10% of the final settlement. Nothing comes out of pocket and nothing gets taken away from the money you need to fix your home or business back to pre-loss conditions.

Should I Use A Public Adjuster For A Small Claim?

Absolutely! You wouldn’t go to court without a lawyer, so don’t file an insurance claim without a public adjuster. No matter the size of the damage, a public adjuster will be able to help you with your claim.

Even what seems like a small amount of damage can be a lot larger than you would think. Like this picture to the right, it may look like a small leak coming through the ceiling. But what about replacing the ceiling? Or the contents (personal property) the water has damaged? Or maybe that water quickly turns into mold?

It is so important to know the absolute extent of your property damage. What may seem small could be a fairly large claim in the end.

water damage in ri
You wouldn't want to buy a house in RI that was falling apart, would you?

Should I Use A Public Adjuster If I Already Filed A Claim?

Even if you’ve already filed a claim, you can still hire a public adjuster to represent you. It’s almost never too late to get the help you need for a good outcome from your insurance company.

Should I Use A Public Adjuster If I Already Got Paid? (And Didn’t Get Enough Money)

The final settlement check doesn’t actually mean final! Depending on how long ago your date of loss was (the day you had the property damage) and the statute of limitations in your state, you can still reopen your claim by using a public adjuster. By doing so, you’ll be able to retrieve the money you need to fix your damages even after you’ve been paid by your insurance company.

How Do I Find A Good Public Adjuster?

It’s pretty easy to find a public adjuster near you. But to find a good one, you’ll need to do your research.

  • How long have they been in business? (We’ve been around for 16 years!)
  • How many adjusters do they have on staff? (We have 6 licensed adjusters!)
  • How are their connections to contractors to fix your property damage after you get your check? (Ours are great!)
  • How much of a fee are they going to take? (We only take 10%!)

To make things easy, just fill out the form below to get a free, no strings attached consultation for your property damage. You know you’re in good hands with the team at Performance Adjusting.

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We handle your property damage insurance claim so that you don’t have to. Since 2005, we’ve been getting homeowners and business owners the most money for their property damage all while they sit back and relax. The best part of it all? There are no upfront costs or hidden fees, we only get paid when you get paid.

Your insurance company has an adjuster on their side, so why shouldn't you?


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