A public adjuster in Redondo Beach is dedicated to representing you in the claims process, unlike insurance adjusters who work for the insurance company. They focus on securing the fair and reasonable policy benefits for you. Once you hire a public adjuster, you can leave the stress of dealing with your insurance company behind, as they will handle all communication and negotiation, helping you to concentrate on your recovery.
Public adjusters excel at negotiating with your insurance company to obtain the benefits you’re entitled to. Ideally, you should contact a public adjuster at the beginning of your water damage claim, though they can still be useful if:
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- When your insurance company denies coverage for Loss of Use or Additional Living Expenses, a public adjuster can take over. They’ll work diligently with your insurer to ensure you are reimbursed for any temporary living expenses you had to incur during the repair period.
- If the repairs to your home don’t meet your expectations, a public adjuster can negotiate with your insurance company to ensure the repairs adhere to the “like-for-like” standard specified in your policy, bringing the repair work up to your standards.
- If the settlement amount from your insurance company falls short of covering the necessary repairs to return your property to its original condition, a public adjuster can negotiate a better settlement to ensure your property is restored to its pre-damage state.
As you navigate through the claims process, you may wonder—why is hiring a public adjuster necessary when I can personally get repair estimates and manage discussions with the insurance company?
You can manage the claims process by yourself, but most homeowners generally don’t have the experience needed for dealing with water damage claims or a thorough understanding of insurance policies and repair processes.
Plus, since a home is often one of your most valuable possessions, emotional involvement is common when dealing with damage. Public adjusters focus on increasing fair and reasonable insurance payouts for various claims, including water damage and flood damage. They are well-versed in handling replacement costs, contingency fees, and issues like sewage backups. Their expertise in dealing with insurance carriers ensures that you receive the optimal compensation required for repairs and getting your home back to its best condition.
What’s more, because most contractors and flooring professionals do not have a Department of Insurance license, they are not legally permitted to represent you in a water damage claim. Public adjusters, on the other hand, possess the necessary state licensing and can offer expert legal representation, overseeing the entire claims process to ensure a favorable outcome.
Finally, a public adjuster will guide you through every aspect of your insurance claim, from offering strategic advice and negotiating with the insurer to handling the paperwork. Their specialized knowledge and experience in dealing with insurance matters often lead to settlements that surpass what homeowners usually achieve by themselves.
The best aspect? A public adjuster earns only a small percentage from the settlement they secure with your insurer and puts in fair and reasonable effort to ensure your claim is as substantial as possible.
Experiencing water damage? Excel Adjusters in Redondo Beach can help you navigate the claims process. We’ve handled over 4,200 claims and are dedicated to achieving fair adjustments from insurance companies. Reach out today for a free consultation to get started.