When it comes to property and value, insurance companies rely heavily on documentation from the policyholder to prove ownership and justify the worth. This can include videos, photographs, receipts, credit card statements, appraisals, and insurance policy endorsements. It's best to provide as much evidence as possible to support your theft claim. An independent appraiser is someone, firm, association, or corporation that works on behalf of an insurer to investigate and adjust claims made under the insurer's contracts.
However, there are some drawbacks to hiring a public adjuster. Homeowners may choose to do so if the damage is extensive or hard to determine. For instance, if more damage is found during repairs after the claim is settled, you may want to hire a public adjuster to assess the total cost. A public adjuster is any person, firm, association, or corporation that works on behalf of an insured in negotiating the settlement of a claim or claims for loss or damage to the insured's property.
If you go directly to a lawyer, they will likely hire a public adjuster to investigate the claim. Thanks to their expertise and determination to find everything possible, they can help make sure nothing is left out in the claim or resolution. It's too late to hire a public adjuster if you've already signed a definitive authorization or if your claim period has passed the statute of limitations. Landlords may also decide to hire one if they have a potentially large claim and are worried about missing something. For many people, hiring a public adjuster means having someone who can think and negotiate on their behalf.
Often, public adjusters are members of their professional organization which requires certain standards of proficiency. Insurance companies usually understand why someone would want an extra lawyer and respond professionally when hiring a public adjuster.