If your insurance company hasn’t sent you your claim check as quickly as you would like or if your adjuster’s offer is less than you think you deserve, it could be time for you to hire a public adjuster.
A public adjuster can perform all of the duties required to get your claim processed — such as making an inventory of the loss and presenting your case to your insurance company — except they are only accountable to you.
A qualified and dependable public adjuster will be experienced and have the knowledge he or she needs to understand the terms of your insurance contract to you in full detail. They will also serve as your advocate when dealing with the insurance company to make sure you get every penny you deserve.
Finding a public adjuster is easy, but finding the right one for you can be more of a challenge. It requires some research. But if you have recently had an accident of a homeowners’ claim, you will want to act fast.
The best way to find somebody you can trust is through word of mouth. Ask your friends, family, co-workers or acquaintances if they are familiar with a public adjuster they can recommend. Another option is to use an online rating service in which past clients can leave reviews of the services they received from public adjusters.
Public adjusters tend to be used most often on larger property claims. For claims less than $25,000 — such as most auto claims — the payouts from insurance companies typically are based on pre-determined formulas. So hiring your own public adjuster may not necessarily be money well spent.
Still, if you would like the security and knowledge that you have your own public adjuster advocating for what you deserve, it may be worth the money.