By now you probably know exactly what we as public adjusters do, if not you can learn more about that here. The most important difference to note is that insurance adjusters work for the insurance company to make them the most money out of a claim, while public adjusters help the individual do this. However, what do insurance adjusters look for exactly when assessing a loss? Why are their assessments most of the time much different than a public adjuster? Here is everything you need to know.
What is an insurance adjuster?
First, let’s address the first question. Insurance adjusters are the people who are hired by the insurance company or in some cases independent contractors to settle a claim between the insurer and the insurance policyholder. From start to finish, these are the people that are going to be assessing your claim to see how much money you should be receiving under your current policy.
What do insurance adjusters look for?
Since insurance adjusters oversee the entire claims process, they will be looking for anything and everything for and against your case. For instance, in the case of a disaster, an insurance adjuster will arrive on the scene collecting photographs, documents, police records, etc. that will help get the full loss picture. As the insurance policyholder, you have the right to submit any of your own documents and photographs that will help your case. In fact, this is one of the first things you should do when the insurance adjuster arrives. Anything that shows what your damaged items looked like before the loss will go a long way in helping your claims process go smoothly and you are likely to get the money you need to restore that property.
Sometimes you may have damages to your home that aren't covered by your insurance.
Here are some other tips to look out for when an insurance adjuster comes to assess the damage
Note that your homeowner’s insurance rates may rise after filing a claim.
Before you file the claim, go over your current insurance policy to make sure that the damage you are filing for is worth the rate increase. Also, if you file too many claims your insurance rates will skyrocket.
Consider hiring a public adjuster!
This is totally up to you; however, we recommend it. You are not required to use your insurance company’s adjuster when settling a loss. This is where a public adjuster, especially one from us at Performance Adjusting can come in handy, especially if you feel that you are not receiving the most money for your claim. We can take the stress of the entire claims process from start to finish, and you do not have to worry about communicating with the insurance company, we will do that on your behalf.
An insurance adjuster’s assessment may be much different from that of a public adjuster. Why is this?
If you hired a public adjuster, you may have noticed that you are receiving much more money in return for your loss. As we have stated previously, this is mainly due to the fact that the insurance adjuster works for the insurance company, making sure they are not giving out too much money during the claims process. A public adjuster is on your side, making sure you are the one winning in the end.
Do you need a public adjuster on your side?
As a homeowner, it can be hard to determine when a loss will occur, after all this is why you have an insurance policy. When disasters strike, call us at Performance Adjusting to be the ones on your side, not your insurance company’s adjuster. Call us at 401-724-9111 or contact us today!