When it comes to filing an insurance claim, having a public adjuster on your side can be invaluable. But how do you know which public adjuster is right for you?First and foremost, make sure the public adjuster you're considering is licensed in your state. Most states require this, so don't be afraid to ask for proof of licensure. Additionally, ask for references from past clients.
A reputable public adjuster should be more than willing to provide you with references that you can call. If they're not willing to do so, it's a red flag and you should move on to the next adjuster on your list. Calling referrals is a great way to get an idea of what it's like to work with the public adjuster in question. Ask former clients about their experience and whether they would use the public adjuster again. It's also important to make sure the public adjuster is committed to serving their clients.
Look for membership in associations that provide access to education and resources. Many homeowners choose to hire a public adjuster because it saves time, reduces stress, and often leads to a better agreement from the insurance company. Before hiring a public adjuster, make sure you read your policy and endorsements (extras) and review them with the adjuster. No public adjuster should promise you what they can do for you before they first read and carefully review your insurance policy and analyze the loss. In the event of a declared state of emergency, public adjuster contracts are limited to the percentage that can be charged. Today, you can hire an authorized public adjuster at a “contingent” (percentage) fee who will process your claim and negotiate a settlement on your behalf.
However, there are no restrictions on when you can contact a public adjuster if you feel that immediate assistance is beneficial. It's important to note that public experts work on a contingent fee basis and are not paid in advance for their services. Before entering into a contract with a public adjuster, make sure you check references and agree on rates and terms.