What is a Public Adjuster? Do I Need One?
When your home is damaged, you’ll most likely file an insurance claim for a payout based on the extent of the damage. However, the payout might be less than what you had expected, even if you feel entitled to more. In that situation, you need the services of a public adjuster.
This article outlines public adjuster services and everything you need to know about these insurance professionals. What is a public adjuster? Do you need one? Keep reading to learn more.
What are Public Adjuster Services?
Public adjusters are insurance professionals that advocate for claims on behalf of their clients with an insurance company. A public adjuster handles the claim from the beginning to the end, including a thorough inspection and analysis of the home’s damage.
An adjuster reviews your insurance policy when your home incurs damage and assembles estimates and data to back up the claim. The main job of a public adjuster is to represent you – the policyholder and not the company. Adjusters work in a similar way to consumer advocates.
To benefit from public adjuster services, you’ll have to pay a fee and hire a qualified adjuster. While they could be expensive, these services save you money by ensuring that your insurer pays the full amount for the damage based on your coverage. Your adjuster can help you file and negotiate a claim in the event of risks such as floods, smoke, fire, and hurricanes, among others.
How a Public Adjuster Works
As mentioned earlier, a public adjuster is an insurance professional who helps file and adjust insurance claims. The adjuster must be qualified and have adequate experience in one or more related fields. Here’s what you can expect from a public insurance adjuster:
- Using powerful software to evaluate your loss
- Collecting highly detailed information that can be challenging for you to compile
- Logging and submitting initial and supplemental claims on your behalf
- Helping you negotiate with contractors and insurers
You can save significant time and labor with public adjuster services while protecting yourself from any pitfall due to inexperience.
When to Hire a Public Adjuster
While you may not need it all the time, there are instances you might need public adjuster services. By working with a reliable public adjuster, you leave everything in the hands of the expert, which saves you the time to deal with a stressful claim process.
You can also hire a public adjuster when you have a large claim to handle. In that situation, the adjuster will evaluate your claim and ensure that your insurance company doesn’t overlook any damage. Even with poor claim experience in the past, the adjuster will ensure that you get what you deserve.
Public Adjusters versus Company Adjusters versus Independent Adjusters
Insurance adjusters exist in three categories, serving different groups of clients. Here’s what you should know:
- Company adjusters work for insurance companies, usually sent by companies to evaluate claims filed by their policyholders.
- Independent adjusters work on a contract basis for insurance companies. They are often contracted when there’s a surge in demand or specific expertise.
- Public adjusters work for individual policyholders, assisting them in evaluating damages, filing claims, and negotiating with companies to get the maximum payout per claim.
How to Find Public Adjuster Services
Finding a reliable public adjuster could seem simple but could be challenging too. Experts recommend starting with a search on the National Association of Public Insurance Adjusters (NAPIA) website. From the NAPIA directory, you can find public adjusters in various states by entering your city, state, and ZIP code.
Get a free initial appointment with Public Adjuster Services by capitaladjustingservices.com today if you need a public adjuster in Washington, DC, Virginia, Maryland, New Jersey, and other states.