When it comes to filing an insurance claim, policyholders may be uncertain if they need to pay for a consultation with a public adjuster before hiring them. The good news is that public adjusters work on your case and you only pay them when the insurance company gives you the check. If your claim doesn't work out, you don't have to pay the public appraiser. This means that as a policyholder, you run minimal risk when working with a public appraisal company, as they will assess the loss of property at no cost.
By conducting this assessment, the severity of the property damage is determined and it is decided whether an insurance claim should be filed. If the insured is certain that the full value of the loss of their property is significant, it is recommended that they consult an expert for a second opinion.
Public appraisersoften visit a home or business and determine that the estimated loss value is less than it should be. Public experts certified by NAPIA are experts in their field and it is rare for them to exclude estimated costs that the policyholder might omit from their estimate.
For example, if a tornado damages a roof, the homeowner may miscalculate the price of a new roofing system and forget to include the cost of removing the damaged roof. A specific and detailed claim is essential when submitting an application to the insurance company. Without the help of a public appraisal company, most homeowners insurance companies will not voluntarily pay more than the amount claimed. Insurance policyholders must intentionally pay the requested amount, and hiring a public appraisal company can help guarantee it. Public appraisers generally only charge a percentage of the final settlement amount instead of charging you a fixed fee, which means they have an incentive to offer you as much money as possible.
A public appraiser is a talented and experienced professional who acts as the first line of defense between you and your insurance company. Contacting a claims appraiser through ClaimsMate can help you find out how a professional and experienced claims appraiser can fight for higher compensation on your behalf. Questions to Ask Your Public Appraiser After your loss, you decide not to deal directly with your insurance company. A public appraiser works for you and therefore expects you to pay him at the end of it all. Policyholders can get the best possible results if they hire both a public claims appraiser and lawyer.
Ultimately, both public appraisers and lawyers often offer free consultations, so you have nothing to lose. Once you decide that you want to hire help to process claims, it is important to find an experienced public appraiser with good references who will hire you as a customer for a fair price. If you decide to file an insurance claim without the help of a public appraiser, you risk not receiving the maximum amount of payment for your settlement. Most public appraisers try to let their policyholders know how important it is for a third party, with an unbiased point of view, to negotiate with the insurance company on their behalf. Visit United's policyholder claims help library, read your policy and endorsements (extras), and be sure to review the policy with any public appraiser you're considering hiring before hiring them. Although this can be interpreted as a bad thing, since you may not receive all the money from your claim, it does give you the opportunity to hire a public appraiser. He is passionate about sharing his experience, knowledge, advice and training to help both landlords and public appraisers manage claims effectively and recover the settlement they deserve after a loss. Your insurance company and your public appraiser should be the only two people who communicate about your claim.