Why should I use a Public Adjuster? Isn't my insurance company enough?

Fires, hurricanes, tornadoes, lightning, hail storms, floods and other disasters are usually covered by insurance. But the amount of a fair payment can be a very complex matter of evaluations, policy provisions and negotiations.

Claims adjusters work for insurance companies. Even if they are called "independent adjusters," they nevertheless are hired by your insurance company to represent its interests. These adjusters can handle your claim, but it is up to you to prove the value of your loss.

A Public Adjuster, on the other hand, works only for you, to help you fulfill all of your contractual obligations and also to relieve you of much of the work and worry. 

Examine the following chart closely. It demonstrates the VAST differences between using a Public Adjuster to help with your claim, as opposed to trying to do it yourself, without professional assistance.

 

With  A Public Adjuster

Without a Public Adjuster

Assessment of your loss

We thoroughly evaluate and analyze your property damage and insurance policies.

Your claim will receive only whatever attention the company's adjuster can afford to give it.

Preparation of your claim 

We help prepare every part of your claim, every step of the way.

You are on your own.

Documentation of your loss

We provide complete documentation of your building damage, contents inventory, business interruption, additional living expenses, etc.

You are on your own.

Presentation of your claim

We present your claim to the insurance company and work with their adjusters to make sure you get all the benefits you are legitimately entitled to receive.

You are on your own.

Use of your time

We do the work for you, leaving you free to keep your family and business together in this time of turmoil.

You must find time to put together your whole claim, keep up with the legion of phone calls and e-mails you make and receive from builders, various company adjusters, accountants, cleaning specialists, etc. – and THEN present your claim to your insurance company, often having to argue the smallest details over and over again.

Amount of your settlement

We are usually able to help you receive a much higher settlement than you would on your own.  We know and look for the maximum benefits you are legitimately entitled to under the terms of your policy. 

You’ll likely get paid a much smaller amount if you put your own claim together, since you won’t have anyone on your team to help you navigate the intricacies of the claims preparation, presentation and adjustment processes. And remember... the company’s adjuster needs to try to keep his company’s bottom line healthy, which often means paying out as little as possible to the policyholder.

Hassle for you

We are able to take a large part of the burden off of you during this difficult time, which allows you to continue with your life and work
in as normal a fashion as possible.

You will very likely feel the claims process has completely consumed your life over a period of several months - if not years.

Remember, both company adjusters and independent adjusters work for and represent the interests of the insurance company, not you.