Was your property recently damaged or destroyed? If you want to file an insurance claim that will help you recover your losses, hiring a public adjuster is the best option. Your policy provider’s insurance adjusters will always try to settle in their employer’s favor—you need someone on your side, helping to tip the scales back your way. But a public adjuster does more for you than that.
Here are seven excellent reasons to hire a public insurance adjuster to help with your insurance claim.
1. Get a Better Understanding of Your Policy
The fine print of many insurance policies relies on legal jargon that can be confusing for the average person. With numerous processes, clauses, and terms to decipher, it is best to entrust these documents to a professional’s hands.
An experienced public adjuster can help you interpret your forms and give you a rundown of the contents. They will also give you an accurate assessment of what your policy covers or doesn’t cover.
2. Benefit from an Experienced Eye
Claims adjusters are licensed professionals who study extensively in the area of property damage and related matters. They understand damage types, how a property might incur these damages, and what compensation is fair.
Whether your property was damaged by an act of nature, vandalism, or theft, an experienced public adjuster will know the best approach not just to make a successful claim but to maximize the amount of that claim because they’ve handled countless cases like yours in the past.
3. Save Time and Effort
All insurance claims require you to prepare certain documents and deliver them to the appropriate channels—and the process is far from straightforward. You also need to provide evidence of your losses and prove that your insurance policy covers the cause of the damage.
Property damage is already a stressful experience as it is even without the paperwork that comes with it. A public adjuster will handle and submit all the necessary paperwork to save you time and effort. They’ll also collect any evidence of the damage your property has incurred and document it to ensure accuracy.
4. Gain More Power to Negotiate
More often than not, your insurance company’s adjuster will give an unfair offer. Many property owners make the mistake of accepting that offer, thinking that it’s the best they can get. With an independent adjuster who doesn’t have ties to your insurance company, you’re more likely to receive fair compensation.
A public adjuster will survey the damage to your property and make an accurate assessment of the damages. Then, they will negotiate with your insurance company on your behalf based on their findings.
5. Open a More Effective Line of Communication
Even if your insurance company has excellent customer service—and many don’t—talking directly to someone who has the power to do anything regarding your claim will be a challenge. There’s often a lot of hoops to jump through and even more back and forth. The process is almost always slow and time-consuming.
With a claim adjuster acting as the mediator, you don’t have to deal with any of the above. Not only will your adjuster handle communicating with your provider for you, but they also have the experience to cut through all the red tape and get things done faster and more efficiently.
6. Jumpstart a Denied Claim
What if your insurance company denies your claim? Before hiring a lawyer to litigate it, a public adjuster can analyze your property and request, file an appeal, and potentially re-open the case. Adjusters have a keen eye for finding claim discrepancies and fixing them.
A lawyer can only take on your property damage case if your insurance company wrongfully denies your claim or no longer acts in good faith—treat this route as a last resort. A lawyer will also typically cost you much more than a public adjuster, which brings us to our final reason to hire the latter.
7. Hiring a Public Adjuster is Risk-Free
Did you know that most public adjusters don’t require upfront payment? In fact, many work on what’s called a contingency basis, which means that you don’t have to pay them until you get a settlement. Because adjusters receive a percentage of the settlement, they will work their hardest to help you close your case and get the highest compensation possible.
A public adjuster is a crucial component in your quest for compensation from your insurance provider, especially if it involves extensive property damage—and if you’re in or near Atlanta, GA, you can count on our experienced team at Insurance Public Adjusters of Georgia. We’ll work hard on your behalf throughout every step of the claim process. Call us at (404) 220-9366 to book your free consultation today!
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Insurance Public Adjusters of Georgia
1100 Peachtree St NE, Ste 200a
Atlanta, GA 30309