Benefits Of Hiring A Public Adjuster

If your home or your place of business is struck by a natural disaster or any other type of damage, do you know what you should do next?

The no-brainer step is contacting your insurance provider and filing a claim. 

Nevertheless, that might not always be a straightforward or pleasant experience. Insurance companies are notorious for delaying and undervaluing claims, and in the worst-case scenario, outright denying them.

To protect your claim and your sanity, leveraging the help of an experienced public adjuster Orlando is the best course of action.

In the next few minutes, we’ll explain why.

Who Are Public Insurance Adjusters?

A public adjuster Orlando is a licensed professional that can represent policyholders’ best interests in insurance claims. The entire profession was started to level the playing field with insurance companies. 

For example, a public adjuster may help their client by managing their claim and ensuring they meet all filing requirements. Most importantly, they offer assistance with covering the amount that the claimant deserves.

If you’ve filed an insurance claim in the past, you must be familiar with the adjuster that the insurance company sent to inspect the damage. Well, a public adjuster is pretty much the same, they only work for you. 

When Should You Hire A Public Adjuster?

While it’s possible to hire an attorney if your claim doesn’t go as expected, you can avoid litigation (and keep more of your settlement money) if you hire a public adjuster Orlando at the very beginning.

The sooner in the process you involve a professional, the more favorable the outcome. The reasons why that is so are simple: adjusters are trained to understand insurance policies and they can find additional coverage you’re entitled to that you’re not even aware of.

You may also hire an adjuster if you don’t have the willpower to deal with the insurance company.

We also recommend hiring a professional if you don’t have the expertise in filing insurance claims or if you don’t fully understand your insurance policies. Insurance contracts are infamously confusing and filled with pointless legalese, which is why many policyholders are unsure about the fine details of their coverage. 

If your home or commercial property suffered extensive damage, you might be in for a ride. The higher the damages, the more complicated the claim. For example, you may fail to recognize the types of damages that you can potentially recover and thus, avoid including them in your claim. You also may not identify the full extent of the damage or properly value damaged property. 

Insurance companies will usually take advantage of the policyholders’ inexperience and confusion by offering them a quick payoff. In most cases, this isn’t your insurance company being ‘’nice’’ and looking out for your best interests. They simply want you to settle for less money, and they use the stress and the sense of urgency of their clients to get the claim completely out of the way.

Another reason to work with a public adjuster Orlando is if your insurance carrier is delaying your claim. This is especially common in major catastrophes when a higher number of claims are getting processed. Still, keep in mind that there are laws that require insurance companies to process your claim in a set time period.

Lastly, you may have already filed a claim and you’re surprised at how low the settlement offer is. This is quite common as insurance company adjusters will be biased when valuing the damages to your property (they are in the business to make money, after all) and you may learn that the offer doesn’t even cover the basic repairs to the property.

In that case, it’s not too late to hire a public adjuster and renegotiate the proper amount of settlement.

The Benefits Of Working With A Public Adjuster

Insurance companies may often try to discourage policyholders from hiring a public adjuster, which is usually a huge red flag that makes sense when you look at it. Since insurers aren’t on your side, they recognize that hiring a public adjuster can tip the odds in your favor. The benefits of leveraging a public adjuster’s services are well-known and include:

1. Save time

This one is a no-brainer, but still worth mentioning. You might value your time enough not to waste it on dealing with the demands of the insurance company. A public adjuster can organize and manage all the processes required to file your claim. 

They can also save you additional time through their expertise by easily clarifying your insurance policy and guiding you through the proper procedures for documenting expenses and repairs.

2. Resolve claims faster

Policyholders often have trouble communicating with the insurance carrier, which usually results in a lot of unnecessary back-and-forths. In fact, it’s not uncommon to see multiple repeated requests for additional information.

The same process with a public adjuster is different. They will help you organize your claim and instruct you on all the paperwork you’ll need to proceed further. As a result, you can expedite the claims process and start repairing your property a lot sooner.

3. Protect your claim

A public adjuster Orlando knows exactly what the insurance company wants and expects. With this expert on board while documenting your damages, you get an advantage if your claim ends up getting denied. 

On a more pessimistic note, if by any chance you do end up taking your case to court, a public adjuster is a third-party witness who can even testify on your behalf and help you obtain the money you deserve.

4. Receive a higher settlement

According to a study in Florida, public adjusters not only speed up the claims process, but they also increase the amount of payment to policyholders. More precisely, a public adjuster can negotiate over 700% higher settlement than what the insurance company offered to pay out. This also applies to catastrophe scenarios when a lot of other claims are also being processed.

Choosing The Right Public Adjuster

If your residential or commercial property was damaged and you decided to hire a public adjuster Orlando, how do you find the right adjuster?

First, check if they are experienced in the field. Only work with an adjuster who has a great track record with settling claims. Also, be wary of ‘’snake oil’’ adjusters who will promise insane amounts without first looking at the damage and reviewing your policy.

Make sure that the adjuster is also licensed in Florida and avoid talking with contractors who promise they can settle the claim for you.

Last, but not least, ask your adjuster of choice for references from previous clients, especially those with similar claims to yours.

If you’re in doubt, call Continental Public Adjusters! We have four decades of experience and we’ve got an extensive record of successful settlements! 

Call us now at (800) 989-4769 or fill out our contact form and let us help you with handling your insurance claim!