Is Hiring a Public Adjuster Worth It?

When it comes to filing a major insurance claim, it can be a time-consuming and energy-draining process. From filling out forms to communicating with the insurer, it can be a hassle that many people don't want to deal with. This is why many people consider hiring a public adjuster to help them with their claim. According to a report from the Florida OPPAGA, a legislative policy analysis office, those who use a public adjuster get an average of 747% more in their insurance settlement than if they hadn't used one.

This is positive proof that by using a public adjuster, you are guaranteed much more money for your insurance claim. When you file a claim, you may be fine on your own, or you may be better off hiring help. It's an individual decision that you must make based on your own circumstances. An authorized public adjuster can be your representative and advocate in the process of “adjusting (processing) your claim” and “liquidating” (paying) it. As with any professional, some public adjusters are better than others.

The last thing you need when you've suffered a major loss are additional problems, so check them carefully before hiring. Resist high-pressure sales pitches and don't hire prematurely. As an independent insurance professional, a public adjuster works for the policyholder to ensure that their claim is resolved fairly and efficiently. For any home insurance claim, a public adjuster can point to the money in the claims to which you are entitled and that you didn't even know. After all, you can't expect the landlord to be an insurance expert. You can also check if they are members of the National Association of Public Insurance Adjusters.

If you're in the process of filing a claim with your insurance company, it may be worth hiring a public adjuster. In the case of a minor claim, a public adjuster may be able to find text in your insurance contract that could result in thousands of additional dollars for your claim. For example, if the claim is resolved and additional damage is discovered during repairs, you may want to hire a public adjuster to assess the total cost. Thanks to their experience and determination to find everything possible, the public adjuster can help ensure that nothing is omitted in the claim or in the resolution of the claim. A public adjuster cannot get more money from the insurer than you are entitled to receive under the policy.

A landlord may decide to hire a public adjuster if they have a potentially significant claim and are worried that they will cover everything. If the public adjuster is questioning the damage or how much it might cost to repair it, you may decide to use a contractor for a second opinion. If you choose to do so, your public adjuster will act as a liaison so that you never have to talk to a representative or negotiate yourself. If you are faced with a major claim with a potentially high payment, consider the price before choosing to hire a public adjuster. However, some people pose as public adjusters after a disaster to get part of the payment of their claim for themselves.

If you initially filed your own claim and are not satisfied with your insurer's settlement offer, you can hire a public adjuster to review the case and negotiate a higher payment. In conclusion, hiring a public adjuster can be beneficial when filing an insurance claim as they have experience and knowledge about what is covered under an insurance policy and can help ensure that nothing is omitted in the claim or in its resolution. However, it's important to do your research before hiring one as some people pose as public adjusters after disasters for their own gain.

Dewey Davern
Dewey Davern

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