If you're already stressed from damage to your property, dealing with an insurance claim can feel extremely daunting. Whether it's your home or commercial property, hiring a public adjuster can make the claims process smoother and more beneficial for you. Learn how a licensed public adjuster can help significantly during this process.
What is a Public Adjuster?
A public adjuster is a licensed professional who works exclusively for you, the policyholder, to adjust and recover your insurance claims. Unlike an insurance company's adjuster, a public adjuster advocates for your interests, not the insurance company. They are experts in assessing damage, understanding insurance policies, and negotiating settlements to ensure you receive the maximum claim payout you deserve.
Types of Insurance Claims Public Adjusters Handle
Public adjusters can handle a wide range of insurance claims, including those related to:
- Property insurance
- Commercial property
- Fire and smoke damage
- Water damage
- Marijuana damage
- Earthquake damage
- Vandalism/theft
They are extremely knowledgeable at managing claims, making sure the specific needs of each type of claim are met.
Advantages of Hiring a Public Adjuster
Maximize Your Insurance Claim Payouts
One of the primary benefits of hiring a public adjuster is their ability to maximize your insurance claim payouts. Public adjusters are skilled in evaluating the full extent of damage and loss, ensuring that all aspects are documented and included in your claim. Their detailed approach and thorough documentation often result in higher settlements than you might achieve on your own. They know the ins and outs of insurance policies and how to leverage them to your advantage, increasing your chances of getting every dollar you're entitled to.
Receive Expert Guidance Through the Entire Claims Process
The claims process can be complex and overwhelming, especially if you're not familiar with insurance jargon and procedures. Public adjusters provide expert guidance through every step of the process. From filing the initial claim to negotiating with the insurance company, they are there to answer your questions and offer advice. This guidance ensures that you don't miss any important steps or make mistakes that could jeopardize your claim.
Have an Advocate for a Fair and Just Settlement
When dealing with an insurance company's adjuster, you might feel that your interests are not being fully represented. Public adjusters advocate on your behalf, ensuring that your needs and interests are prioritized. They fight for a fair and just settlement, leveraging their knowledge and experience to counter any lowball offers from the insurance company. This advocacy ensures that you are not shortchanged and receive a settlement that truly reflects the extent of your loss.
Expedite Your Claims Process
Public adjusters can significantly expedite your claims process. They know what documentation is needed and how to present it effectively, which can speed up the review and approval process. By handling communications and negotiations with the insurance company, they prevent unnecessary delays and ensure that your claim progresses smoothly. This expedited process means you can start repairs and return to normalcy faster.
Get a Thorough Assessment of Damages
A thorough assessment of damages is important for receiving a fair settlement. Public adjusters conduct comprehensive evaluations of your property, identifying all areas of damage that need to be addressed. They often uncover damages that you might overlook, ensuring that nothing is missed in your claim. This thorough assessment guarantees that you receive compensation for all aspects of your loss, not just the most obvious ones.
Ensure You Receive All Entitled Benefits
Insurance policies can be complex, with various clauses and coverage details that might not be immediately clear. Public adjusters understand these policies inside and out. They ensure that you receive all the benefits you are entitled to under your policy. Whether it's additional living expenses, business interruption coverage, or other entitlements, public adjusters make sure nothing is left out of your claim.
Experience Less Stress During the Claims Process
Dealing with an insurance claim can be incredibly stressful, especially when you're also managing the aftermath of a disaster. Hiring a public adjuster alleviates much of this stress. They handle the intricate details of the claims process, allowing you to focus on your recovery. With a professional managing your claim, you can have peace of mind knowing that an expert is advocating for your best interests and working to secure the best possible outcome.
Why Choose a Public Adjuster Over an Insurance Company Adjuster?
When you hire a public adjuster, you have someone on your side who is not the insurance company. They work to ensure you get the best possible insurance settlement. An insurance company adjuster and public insurance claims adjuster are hired by your insurance company and therefore, represent the interests of your insurance provider. They will most likely look for every reason not to reimburse you for damages.
Signs You Might Need Help Navigating the Claims Process
The claims process can be complex and time-consuming. Public adjusters guide you through each step, ensuring all necessary documentation is completed and submitted correctly. They understand the intricacies of insurance policies and the claims process, which can be overwhelming for policyholders. By handling these details, public adjusters allow you to focus on restoring your life or business after a loss.
You might need help if:
- You're unfamiliar with the details of your insurance policy
- You feel overwhelmed by the paperwork and documentation required
- The insurance company is offering a settlement that seems too low
- Your claim is denied or underpaid by the insurance company
- You're dealing with a complex claim involving multiple types of damage
- You don't have the time to manage the claims process yourself
- You want to ensure all damages are thoroughly assessed and documented
- The insurance company is delaying the claims process
- You need an advocate to negotiate on your behalf
Can Public Adjusters Handle Complex Claims?
Yes, licensed public insurance adjusters specialize in handling complex claims that might involve multiple aspects of property damage or business interruption. They have the knowledge and experience to manage claims involving fire, water damage, natural disasters, and other significant losses. Their expertise ensures that all elements of your claim are thoroughly evaluated and included, preventing overlooked damages that could reduce your settlement.
Understanding the Fee Structure for Public Adjusters
Public adjusters typically charge a percentage of the final settlement from the claim process. This means the licensed public insurance adjuster will only get paid if you receive a payout, aligning their interests with yours. At Excel Adjusters, we have a transparent fee structure with no upfront or hidden fees.
This performance-based compensation model ensures that public adjusters are motivated to secure the highest possible claim settlement.
Excel Adjusters: The Best Public Adjusters in Southern California
At Excel Adjusters, we work for you. We specialize in residential and commercial property loss for water, fire, wildfire, earthquake, flood, and theft. To this day, we have handled over 2,000 damaged property claims. Our highly trained team of professionals identifies, quantifies, and establishes the full extent of your loss with your insurance company. Our experts relieve you of the intricacies and complex procedures that come with handling claims in English, Korean, Chinese, and Vietnamese throughout the entire process.
