A public adjuster is a professional who assists policyholders with the insurance claim process. Public adjusters are hired by policyholders to represent their interests and negotiate with their insurance companies to ensure that they receive a fair settlement for their claims.
Public adjusters are typically hired after a policyholder experiences a loss, such as from a fire, flood, or another natural disaster. They are trained to evaluate the damage and the policyholder’s insurance coverage and to prepare and present a claim to the insurance company. Public adjusters may also assist with the documentation and documentation process, and negotiate with the insurance company on behalf of the policyholder to ensure that the claim is settled fairly.
Why Use a Public Adjuster?
There are several reasons why a policyholder may choose to use a public adjuster:
- Expertise: Public adjusters are trained professionals who have experience evaluating insurance claims and negotiating with insurance companies. They have a thorough understanding of the insurance claims process and can provide valuable guidance and support to policyholders.
- Representation: Public adjusters are hired by policyholders to represent their interests and advocate for them during the insurance claims process. They can help to ensure that policyholders receive a fair settlement and that their rights are protected.
- Time-saving: Handling an insurance claim can be time-consuming and stressful, especially if the policyholder is not familiar with the process. A public adjuster can handle the claim on behalf of the policyholder, freeing up their time and allowing them to focus on other matters.
- Fair settlement: Public adjusters are hired to help policyholders receive a fair settlement for their claim. They are trained to evaluate the damage and the policyholder’s insurance coverage, and to negotiate with the insurance company to ensure that the claim is settled fairly.
- Peace of mind: Hiring a public adjuster can provide peace of mind to policyholders who may be overwhelmed by the insurance claims process or who are not comfortable negotiating with their insurance company. A public adjuster can take care of the details and provide expert guidance, allowing policyholders to focus on other matters.
It is important to be aware that public adjusters are not affiliated with insurance companies, and they are paid by the policyholder, not the insurance company. Policyholders should carefully consider the benefits and drawbacks of using a public adjuster before deciding if it is right for them.
Finding a Good Public Adjuster
If you are considering hiring a public adjuster, there are several steps you can take to find a good one:
- Research: Start by doing some research to find public adjusters who are licensed and experienced in your area. You can search online directories or ask for recommendations from friends, family, or your insurance agent.
- Check credentials: Make sure that the public adjuster you are considering is licensed and insured in your state. You can check with your state’s insurance commission or regulatory agency to verify their credentials.
- Ask for references: Ask the public adjuster for references from previous clients, and follow up to see if they were satisfied with the services provided. You can also check online reviews to see what others have to say about the public adjuster’s services.
- Discuss fees: Public adjusters typically charge a percentage of the settlement as their fee. Be sure to discuss the fee structure with the public adjuster before hiring them, and ask about any other costs or expenses that may be involved.
- Get a written agreement: Before hiring a public adjuster, make sure to get a written agreement outlining the services to be provided, the fees, and any other terms and conditions. This will help to protect your interests and ensure that everyone is on the same page.
By following these steps, you can help to find a good public adjuster who can provide you with the expertise and representation you need to navigate the insurance claims process and receive a fair settlement.
Do You Need a Public Adjuster?
Finding a good public adjuster can be overwhelming for you. Luckily we can recommend Southeast Public Adjusters, they have over 25 years of experience in the insurance industry. Let them help you get the most out of your claim.