Insure Your Future

Reasons To Hire A Public Claims Adjuster

25 August 2021 by Sue Palmer

An insurance policy protects you from damages and losses resulting from an insured incidence. However, the insurance claims process is not always straightforward. So what happens when you cannot agree on the amount of money the insurance company ought to pay you? You will need a public adjuster to help you handle the claim on your behalf. This post focuses on the benefits of hiring a public claims adjuster.

Who is a Public Claims Adjuster?

The public claims adjuster is an independent insurance professional hired by a policyholder to settle an insurance claim. Typically, an insurance company provides an adjuster to you when you file a claim. The work of the insurance company adjuster is to evaluate the damages and come up with the costs of repairs and replacements. However, the company adjuster works in the interest of the insurer. Thus, the policyholder can question the adequacy of the proposed payments. 

The policyholder can hire the services of a public claims adjuster to undertake independent damage assessment and calculate the cost of repairs. In the end, both adjusters will come up with their reports, which facilitates the negotiation of a fair claim payment. Notably, the public claims adjuster will charge a certain percentage of the insurance settlement as the service fee.  

Consider the following factors when hiring a public claims adjuster:

• Qualifications and references 
• State licenses and industry certificates
• Experience in insurance claims settlement  
• Communication and negotiation skills

Why Hire a Public Claims Adjuster?

Access Expert Support 

A public claims adjuster has in-depth knowledge of the insurance claims settlement process. Typically, a public adjuster must meet specific qualification requirements to obtain state licensing. In addition, the claims settlement experts are members of a professional organization that requires them to have particular skills standards. Thus, you can be assured that the public adjuster has undergone a background check and extensive knowledge of the insurance claims process. A public claims adjuster also provides the negotiation skills required to deal with the insurance company's adjuster for a mutually agreed settlement. This way, you can rely on professional support to navigate through the claims adjustment and settlement process. 

Ensure Comprehensive Assessment 

The public claims adjuster ensures that the damage evaluation process does not miss any part of the claim. Typically, an insured risk incidence may result in multiple damages. Thus, it is possible to miss out on some damages when filing for an insurance claim. For instance, a claim for a flood incident may capture the cost of rebuilding a home but ignore the expense of demolishing the damaged structures. When you engage pubic claims, they will use their knowledge and experience to ensure the claim settlement is comprehensive.

Increase the Chances for Larger Settlement 

A public claims adjuster can support you to get more claim settlement money. For starters, you may not have the technical capacity to undertake damage and repairs valuations. Having a public claims adjuster on your side ensures that you do not undervalue your claim. Even when you deserve a higher settlement, you might not have the confidence and the time for the back-and-forth engagement with the insurance company's adjuster. Therefore, hire your public claims adjuster to ensure that you have someone who has the time and skill to negotiate on your behalf. 

The insurance claims settlement process is intricate and overwhelming. Engage a public claims adjuster with the skills and experience to guide you through the process and get a mutually agreed settlement.   

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