What Is A Public Insurance Adjuster? Why You Need One

Most people know what an insurance adjuster is. The adjuster is the person who looks at your car when you’ve been in an accident. She surveys the damage, and she estimates how much it will cost to fix. An insurance adjuster looks at a house after it’s had some wind damage. He inspects the roof, takes a ton of photographs, and offers a settlement to help cover the cost of repairs. Those insurance adjusters work for the insurance company, but a public insurance adjuster works for you.

What Is A Public Insurance Adjuster?

The National Association of Public Insurance Adjusters writes, “Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims.” That’s a somewhat complicated way of saying that a public adjuster is a person who works for you through the whole insurance claim process. A public adjuster will inspect property damage, analyze it, put together the necessary claim data, look over your insurance coverage, estimate the cost of replacements, and help submit the claim. The adjuster is the insurance expert who works for you and not for the insurance company.

Do I Need A Public Insurance Adjuster?

You might wonder why it’s a good idea to retain a public insurance adjuster. After all, you likely have an insurance company that treats you well. They’ve always been kind and paid insurance claims whenever you’ve had them. Even with the best insurance companies, it’s a good idea to hire a public adjuster.

1. A Public Adjuster Knows Insurance

A public adjuster knows the language of insurance and how insurance companies process your claim. Your property loss insurance likely has hundreds or thousands of stipulations, and they write it out in lawyerly, jargon-y language. It’s not easy to understand. We are fluent in insurance. We can assess the damage to your property and help you get everything your insurance coverage allows. Insurance companies make mistakes, and we can help you make sure that doesn’t happen.

2. A Public Adjuster Lowers Stress

So, your house has burned down, and you have a thousand things you need to do. All your stuff is damaged or wet, and you are living out of a hotel room. There are so many things to do. You have to save what you can from the rubble, find a place to stay, plan for rebuilding, and so much more. The last thing you want to do is spend time filling out insurance forms and haggling with your insurance company. We can take the stress out of your insurance claim process, because this is all we do. Don’t worry about which form you need, what pictures to take, or how to get the company to cover your claim. That’s our job.

2. A Public Adjuster Lowers Stress

Most insurance companies want to serve their customers, but they still make mistakes. They can overlook damage. They can make errors on the cost of repairs, materials, and a host of other issues. Even though they want to take care of you, insurance adjusters still work for the company, and their job is to give you the smallest settlement. We, your public insurance adjuster, work for you. Our job is to make sure that you get the maximum insurance settlement that your policy allows. We make sure that the insurance company does everything right so you get what you deserve. Contact us for a free review of your claim to get a prompt and fair settlement.

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