Unless you own dozens of properties and have filed multiple insurance claims in the past, the claims process can be confusing. If you’ve already started the claims process, you may have already communicated with an independent insurance adjuster. However, the difference between an independent and public adjuster is essential to note.
What Does an Independent Insurance Adjuster Do?
Although an independent insurance adjuster may approach you and offer to help assess the damage to your property, that adjuster works for the insurance company. The adjuster may maintain an independent status as a non-employee of the insurer, but a contract exists between the insurance company and the independent adjuster.
The independent adjuster’s primary purpose involves saving the insurance company as much as possible on your insurance claim. That means less money for you. Again, the adjuster remains independent regarding employment status, but once the contract gets signed and the insurance company assigns the adjuster to your case, the adjuster represents the insurer.
The Nuts and Bolts of an Independent Insurance Adjuster’s Job
Once assigned to your claim, an independent insurance adjuster will carry out several duties. Acting in much the same way as an insurance company’s in-house staff adjuster, an independent insurance adjuster will perform the following tasks:
- Analyze the facts of your property insurance claim
- Review your property insurance policy
- Decide what the insurance company should offer you as compensation
The Unstated Goals of an Independent Insurance Adjuster
An independent insurance adjuster will assess your property with an eye towards minimizing the amount the insurer will pay you under the terms of your policy. In fact, the adjuster remains contractually obligated to represent the insurance company’s best interests, not those of the policyholder. The best interests of the insurance company include:
- Achieving annual profit goals
- Meeting payroll demands
- Keeping stakeholders happy
If your property suffered significant damage that requires a substantial sum to repair, you should consider hiring a public adjuster to represent your best interests and level the playing field.
What Does a Public Insurance Adjuster Do?
Before you start searching for “public adjusters near me,” it helps to understand what public insurance adjusters do. In essence, a public insurance adjuster steps between you and the insurance company, shielding you from poor settlements.
A public insurance adjuster is an expert in property insurance claims and spends every day protecting clients during the claims process. Unlike the opposing independent adjuster, a public insurance adjuster focuses on maximizing the amount of money the insurance company must pay you.
Some of a public insurance adjuster’s duties include:
- Completing an assessment of the property damage
- Advocating on your behalf during the negotiation process
- Negotiating a fair insurance claim settlement
Why You Should Hire a Public Insurance Adjuster
You can benefit from the services of a public insurance adjuster in several ways:
- Having an expert in property insurance claims on your side
- Allowing a professional to advocate for you instead of doing it yourself
- Ensuring all of the correspondence and paperwork goes according to plan
- Fully optimized payouts on property insurance claims
Frequently Asked Questions
As a leading public insurance adjuster in Georgia, we receive our fair share of questions from concerned clients. Here are some of the most common questions that our customers ask:
When Should I Hire a Public Insurance Adjuster?
You can hire a public insurance adjuster at any time during the claims process. In general, clients see better results if they engage an adjuster during the earliest stages.
How Do I Know If I Need a Public Insurance Adjuster?
Regardless of the circumstances, it’s best to consider hiring a public insurance adjuster if your property suffers any significant amount of damage. Likewise, any policyholder who disagrees with the settlement amount offered by the insurance company should call an insurance adjuster to get a second opinion.
Should I Contact a Public Insurance Adjuster Before I File My Claim?
You should not. First, it’s best to read your insurance policy. It likely states that you need to contact your insurer as soon as any damage occurs. Once you have informed your insurance agency of the damage, reach out to our team at the Public Insurance Adjusters of Georgia.
Choose Insurance Public Adjusters of Georgia
Get the most out of your property insurance claim by working with Insurance Public Insurance Adjusters of Georgia. Property owners all over the Greater Atlanta area call us first because we have the experience and knowledge to maximize their insurance awards. Our public adjusters will negotiate on your behalf so you can repair the damage and get back to your daily life.
Contact our team at Insurance Public Insurance Adjusters of Georgia at any time during the claims process by dialing 404-220-9366 and speak with one of our friendly staff members in Atlanta, GA.
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Insurance Public Adjusters of Georgia
1100 Peachtree St NE, Ste 200a
Atlanta, GA 30309