In the aftermath of natural disasters, property owners often find themselves overwhelmed by the extent of property damage and the complexities of the insurance claims process. Navigating through insurance policies and communicating with insurance companies can be daunting tasks during such stressful times.
Public adjusters can be a tremendous help during the recovery process, specifically when it comes to wildfires, hurricanes, and earthquakes. If your policy covers flooding, they can also assist with this type of natural disaster. Unlike insurance company adjusters, public adjusters work directly for you, the policyholder, to make sure you receive a fair settlement.
Key Roles of a Licensed Public Adjuster After a Natural Disaster
If you experience property damage from a natural disaster, either to your personal property or commercial, a licensed public adjuster will help in the below ways:
Assess Property Damage
When disaster strikes, assessing property damage accurately is very important for filing property damage claims. Public adjusters conduct detailed evaluations of the damage, often discovering issues that might be overlooked by insurance company adjusters. This thorough assessment ensures that all aspects of the damage are documented, forming a solid basis for the insurance claim. This is particularly important for natural disaster recovery, where the extent of damage can be vast and complex.
Navigate Insurance Policies
Understanding your insurance policy can feel overwhelming, but a public adjuster is there to guide you through the details. They help you grasp the terms and conditions, so you know exactly what is covered. By working with you, they protect your rights and hold the insurance company accountable for meeting its obligations, giving you peace of mind throughout the claims process.
Estimate Repair Costs
When you hire a public adjuster, they use their expertise to give you precise estimates for repair and reconstruction. They work closely with you to understand the scope of the damage and then connect you with licensed and impartial vendors to gather fair quotes for the necessary repairs. This approach helps you secure a settlement that truly covers the repair costs, making it possible to rebuild without financial strain.
Manage the Claims Process
When you work with a public adjuster, they take the burden of managing the claims process off your shoulders so you can focus on recovering from the disaster. They handle all the communication with insurance adjusters, making sure all your documentation is in order and submitted on time. As a result, your claim moves forward smoothly, reducing delays and helping you receive your settlement more quickly.
Advocate for Fair Settlements
Public adjusters are your advocates in negotiating a settlement that truly reflects the extent of your property damage. They bring their deep understanding of the insurance industry to the table, negotiating with the insurance company on your behalf. This expertise helps you maximize your compensation, giving you the financial support you need to rebuild and move forward.
Signs You Might Need Help With Filing Your Claim
You might benefit from working with a licensed public adjuster if you:
- Feel overwhelmed by insurance paperwork and documentation
- Don't understand your insurance policy terms or coverage
- Struggle to communicate with your insurance company
- Receive a settlement offer that seems too low
- Have complex property damage that needs evaluation
- Face delays in the claims process
- Need help estimating repair or replacement costs
- Want to ensure a fair settlement is reached
- Lack time to manage your insurance claim
- Are uncertain about your rights and obligations
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.
