Why Do I Need My Own Public Adjuster?

Using a public adjuster can be highly beneficial when it comes to handling insurance claims. Public adjusters are licensed professionals who work on behalf of policyholders to ensure they receive fair and maximum compensation for their losses. Here are some key reasons why using a public adjuster is a good idea:

1. Higher Average Settlements: According to a study conducted by the Office of Program Policy Analysis & Government Accountability (OPPAGA), policyholders who used public adjusters received an average settlement that was 747% higher than those who did not. This significant difference in settlement amounts highlights the expertise and negotiation skills of public adjusters in maximizing claim payouts.

2. Expert Knowledge and Experience: Public adjusters have in-depth knowledge of insurance policies, coverage limits, and the claims process. They understand the intricacies of policy language and can navigate through the complex procedures involved in filing and negotiating a claim. Their experience in handling various types of claims allows them to identify and document all the damages and losses accurately, ensuring that nothing is overlooked.

3. Faster Claim Processing: Public adjusters are well-versed in the claims process and can expedite the entire procedure. They know what information and documentation are required by insurance companies, which helps in avoiding delays and unnecessary back-and-forth communication. By efficiently managing the paperwork and negotiations, public adjusters can help policyholders receive their coverage as quickly as possible.

4. Stress-Free Claims Process: Dealing with an insurance claim can be overwhelming and stressful, especially when you are already dealing with the aftermath of a loss or disaster. Public adjusters take the burden off your shoulders by handling all aspects of the claim on your behalf. They communicate with the insurance company, assess the damages, gather evidence, prepare the necessary documentation, and negotiate for a fair settlement. This allows policyholders to focus on rebuilding their lives and properties without the added stress of the claims process.

5. Professional Representation: Insurance companies have their own adjusters who work to protect their interests. By hiring a public adjuster, policyholders have a professional advocate who represents their best interests. Public adjusters have a fiduciary duty to their clients and are committed to ensuring that policyholders receive the compensation they are entitled to under their insurance policies.

In conclusion, using a public adjuster can lead to higher average settlements, faster claim processing, and a stress-free claims process. Their expert knowledge, experience, and professional representation can make a significant difference in the outcome of an insurance claim. If you find yourself in a situation where you need to file an insurance claim, considering the services of a public adjuster can be a wise decision.