Public adjusters in Arcadia serve as your advocates during the insurance claim process, unlike insurance adjusters who are employed by the insurance company. Their mission is to ensure you receive the full benefits from your policy. By hiring a public adjuster, you remove the stress of negotiating with the insurance company yourself. They will take care of all interactions, allowing you to focus on restoring normalcy to your life.
Public adjusters have the capability to negotiate with your insurance company to help you receive the benefits you’re entitled to. While it’s best to engage a public adjuster from the start of your water damage claim, they can also provide support if:
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- Should your insurance refuse to cover Loss of Use or Additional Living Expenses, a public adjuster can advocate on your behalf. They will work with your insurer to help you obtain reimbursement for any living costs incurred while repairs are underway.
- Not happy with the quality of home repairs? A public adjuster can step in to negotiate with your insurance company, ensuring that repairs are done to the “like-for-like” standard set in your policy, so you get a repair job that matches the original.
- If the settlement offered by your insurer doesn’t fully address the repairs needed to restore your home to its previous condition, a public adjuster can negotiate a higher payout, ensuring you receive the funds necessary to complete all repairs.
Wherever you find yourself in the claims process, you might be thinking—why should I bring in a public adjuster if I can independently secure repair estimates and interact with the insurance company myself?
Although you can proceed with the claims process on your own, many homeowners lack the experience needed to effectively handle water damage claims and the complex details of insurance policies and home repairs.
Plus, because a home is usually one of a person’s most significant assets, emotional investment is natural. Public adjusters are dedicated to increasing fair and reasonable insurance claims for water damage, flood damage, and other property issues. They are knowledgeable in areas like replacement costs and contingency fees, as well as specific water damage concerns such as sewage backups. Their skills in negotiating with insurance companies help ensure you get the necessary funds to complete your repairs effectively.
What’s more, many contractors and flooring specialists do not have the appropriate Department of Insurance licensing and therefore cannot legally represent you during a water damage claim. Public adjusters, however, are licensed by the state and can provide the expert legal support you need throughout the claims process, ensuring your claim is managed effectively.
Finally, by hiring a public adjuster, you gain an expert ally who will assist you throughout the claim process. They’ll handle negotiations with the insurance company, provide essential guidance, and manage all relevant paperwork. Their deep expertise often results in settlements that exceed those typically secured by homeowners on their own.
The great part? A public adjuster charges a minimal percentage of the amount they manage to settle with your insurance, working hard to get you the highest settlement possible.
For water damage issues at your property, look to Excel Adjusters in Arcadia for support. With over 4,200 claims settled, our focus is on securing fair insurance adjustments for our clients. Contact us today for a free consultation to see how we can assist.