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What Is a Public Adjuster?

and why should I speak with a certified public adjuster before filing my property damage insurance claim?

Getting the rightful compensation for your property from an insurance company can be a time-consuming and challenging task. It can even become a full-time job, which can be overwhelming and frustrating, especially when you are already dealing with the aftermath of a significant loss of property.

It is crucial to realize that public adjusters work exclusively in your best interest, not the insurance company’s. Their role is to ensure that you receive the proper indemnification for your lost and damaged property. That’s why it’s vital to have your own adjuster who will represent your needs and negotiate with the insurance company on your behalf.

Dealing with insurance companies can be stressful and demanding, and it can divert your attention from the most important tasks at hand – recovering from a natural disaster and getting your life back on track.

If your insurance agency or broker say that you don’t need a public adjuster, reconsider.

As much as they may sincerely want to help, they have no pull or control over the claims process. In addition, they will not help you do the physical inventory that will be required to process your claim, they will not be involved with gathering any rebuilding or repair estimates, filing a business interruption insurance claim, or assigning dollar values to property or items you have lost in any way.

Studies have shown that when public adjusters are involved in the insurance claim process, insurance companies pay more in claims.

If you are concerned about yet more expenses, know that most public adjusters work on recovery basis, and they do not cost you anything up front. A public adjuster takes a percentage of your insurance payout in exchange for managing the complicated and time consuming process and ensuring you get what you deserve.

Don't battle your insurance company without consulting a public adjuster.
You could be leaving a significant amount of compensative reward money on the table.