Georgia public insurance adjusters are state-licensed insurance professionals who specialize in the different aspects of insurance claim management. If you suffered losses and want to file a claim with an insurance carrier, you can hire a public insurance adjuster to evaluate property losses and negotiate or adjust claims on your behalf.
Public, Company, and Independent Insurance Adjusters
Most people have experience with company insurance adjusters. Insurers hire them to assess and appraise insurance claims and determine the company’s liability. Independent adjusters have a role similar to company insurance adjusters. Unlike employees, these insurance professionals work on a freelance basis, and insurers hire them on a contractual basis.
Generally, adjusters have to protect the insurer’s bottom line, and they help companies meet their objective of paying you the lowest amount that their legal obligation allows.
Public adjusters differ from company insurance adjusters in that their services are for hire by policyholders and not insurance companies. This type of insurance adjuster is the only one who doesn’t work on behalf of the insurance company.
Why You Should Hire a Public Adjuster
If you suffered property losses, you have to go through the burdensome process of making an insurance claim. Insurance policies are generally technical and challenging to understand. Additionally, the information you provide should also be complete and accurate to prevent processing delays and unsatisfactory settlement offers.
Hiring a public insurance adjuster ensures that you receive fair compensation for your loss. The adjuster’s activities include the following:
- Thoroughly examining the insurance policy in question to determine your coveragehttps://en.wikipedia.org/wiki/Insurance_policy
- Evaluating and validating all property losses, expenses, and business losses
- Recording evidence to substantiate your insurance claims
- Determining repair and replacement costs necessary to restore property losses
- Presenting evidence and negotiating with the insurance company to make sure that you receive a fair settlement
Because the public adjuster acts on your behalf as a policyholder and has no affiliation with the insurance company, you have to pay for their services on a contingency basis. The public adjuster’s fee is usually a percentage of the compensation you receive from your insurance company. You do not pay any money to the public insurance adjuster unless and until you receive a settlement from your insurance carrier.
According to Georgia state law, the policyholder and public adjuster must agree to the details regarding payment beforehand and in the form of a written and signed agreement.
When to Hire a Public Insurance Adjustor
You should consider hiring a public adjuster if you:
- Need help navigating a claim with complicating factors
- Don’t understand the insurance policy’s depth of coverage or language
- Are dealing with a claim that has a value of $10,000 or more
- Feel that the insurer neglects your claim
- Are not satisfied with a settlement offer
- Want to prevent delays in the claims process
What to Do Before Hiring a Public Adjuster in Georgia
Many public adjusters have experience as adjusters in the insurance industry and are familiar with the strategies that insurers implement to minimize settlements. Ideally, you want to hire a public adjuster with expertise in your claim category.
Before hiring a public adjuster, make sure that the individual you consider has a license to practice in Georgia. The bonded adjuster should also undergo continuous training to maintain their licensure and stay on top of endorsement changes and other developments.
Ask the adjuster to provide referrals, preferably previous clients who had claims in a similar category. You should also ask the public adjuster about their experience with the insurance company in question.
Contact Insurance Public Adjusters of Georgia
Experiencing civil unrest, flooding, a fire, or any other event that results in property loss can be highly traumatic. If you recently went through a disaster, you may not have the time or energy to place a claim with your insurance company. If you suffered trauma, you may also not have the presence of mind to provide complete and accurate information, resulting in lower compensation.
As an Atlanta-based public insurance adjuster, Insurance Public Adjusters of Georgia will advocate on your behalf to ensure the highest possible settlement after suffering damages. Our objective is to provide our clients with peace of mind and make the claims process as easy and as quick as possible. Contact us today at (404) 220-9366 to speak with a professional public adjuster.
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Insurance Public Adjusters of Georgia
1100 Peachtree St NE, Ste 200a
Atlanta, GA 30309