Three Reasons A Homeowner Should Hire A Public Adjuster After Severe Damage To Their House
If you are about to file a large claim on your homeowners policy, you should give some thought to hiring a public adjuster. This type of professional differs from a typical claims adjuster because they are working on your behalf. This person can evaluate the damage to your property, and give you an estimate of the cost to make repairs. The following are a few reasons to hire a public claims adjuster.
They can read and explain your policy
This type of professional has a background in insurance, so they understand the terms used in policies. They can read through your policy and explain what it will and will not cover. Without this third party, you will be at the mercy of a claims adjuster who is working for the insurance company. By virtue of their employment, they have a vested interest in keeping claim settlements as low as possible. Although they will be quick to point out what your policy will not cover, there may be compensation you are entitled to that they apparently overlooked. A public adjuster, on the other hand, can give you an unbiased explanation of your policy.
They can alleviate much of the work
A large claim for home damage can be complicated, and this can translate into a big headache. The work involved is time-consuming because various aspects of the damage require evaluation, then a dollar amount will need to be assigned to it. And this must be done in accordance with your policy. A public adjuster can place an accurate value of the home at the time of the damage and calculate how much it will cost to rebuild. They also have knowledge of current prices for both labor and materials.
They can assist in preparing the claim
Because of their knowledge of filing claims, they can prepare your claim in a manner that is thorough and accurate. Often, when a homeowner files a claim, it can be rejected for any number of reasons, but one common reason is to request an amount that is insufficiently documented. A public adjuster will make sure that everything in the claim is justified by an accurate appraisal to repair or rebuild the damaged portion of your house.
A public claims adjuster is working in your interest, so they are motivated to evaluate your claim fairly. They can understand your policy and apply it to your damaged home. An accurate dollar amount can be arrived at, and they can prepare a complicated claim in a professional and thorough manner. There is a fee associated with using a public claims adjuster. This is usually a percentage of the claim, so you should inquire upfront about the costs. For a large claim, you may find this fee worth it.
Contact public adjuster services to learn more.
