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Most insurance agents are pleasant enough and even helpful, but the truth is that they don’t always have your back. Their loyalty is with the insurance company, so they don’t really have any vested interest in making sure that your claim is handled in a fair, expedient manner. A public claims adjuster, on the other hand, is right by your side every step of the way because they work for YOU.
Public claim adjusters can file a homeowners insurance claim for you, but they’ll still need to deal with your agency. The good news is that this is something they do on a regular basis. Going back and forth with an insurance agency during the claims process is a huge part of their job.
They know how these agencies operate and likely have a very good relationship with specific agencies or agents. This helps make the process go more quickly and smoothly.
When some kind of disaster happens at your home, the most important thing is that your family and other household members are safe and sound. However, it is also critical that you receive a reasonable settlement amount to help you get your life back on track. An adjuster can maximize your insurance claim settlement because they’ll know what’s fair for your particular damages. They may also be able to find items you didn’t even know could be included.
Handling your claim can often seem like a numbers game, and definitely not in a good way. We’re not saying that insurance companies don’t care about their clients, but they’re often set up to treat people more like a number. That’s because they handle many other things besides just claims. Since public adjusters deal primarily with claims, they’ll take a more personal, vested interest in your problem and try to find the best solution.
Anyone who has had property damage knows that the claims process can be lengthy depending on the severity of the damage and other factors.This can be especially true following a severe event such as a hurricane or tropical storm because many homeowners are filing claims at the same time. A public adjuster can get the process moving more quickly by knowing how to properly navigate the system.
When people ask, “Should I hire a public claims adjuster?” perhaps the first thing they should consider is that adjusters understand the industry. An adjuster knows everything there is to know about how the process works, what can get approved, why delays might occur as opposed to an insurance agency dragging their feet, etc. This gives you a big advantage when dealing with a claim.
Many homeowners will turn to their homeowners insurance company right away because they need someone who understands the type of property damage they’ve experienced. But public adjusters know just as much. They’re down in the trenches fighting for higher claim amounts due to damage from roof, wind, water, fire and smoke, etc. They also deal with small and large claims, so nothing is beyond their expertise.
This is a biggie. Unlike an insurance agent, who is loyal to their employer and will try to save you money, they have no financial interest in a larger settlement. In fact, their boss will be a lot happier if they can keep it low.
Instead of charging anything up front, public claims adjusters receive a nominal fee based on a percentage of your final settlement amount. This gives them an incentive to fight for you.
So, what’s the answer to the question, “Should I hire a public claims adjuster?” It’s obviously a huge yes. Your Claim Hero is standing by right now to help you get the most out of your settlement and to smooth out the process while you wait. Call our staff at (833) 724-HERO (4213), and we’ll get started.
