A public adjuster represents the policyholder during the claims process. Unlike insurance adjusters that work for insurance companies, a public adjuster works to help you get the maximum benefits from your policy. Once you hire a public adjuster, you no longer have the stress of battling with your insurance company. Public adjusters will be the ones communicating with the insurance company throughout the entire claim, allowing you to focus on getting your life back to normal as quickly as possible.
Public adjusters are able to negotiate with your insurance company on your behalf to get you the benefits you’re entitled to. Although it’s recommended to contact a public adjuster at the beginning of your water damage claim, public adjusters can also help if:
- Your insurance company is refusing to cover ALE or Loss of Use expenses. A public adjuster can work with your insurance company to get you reimbursed for any living costs you incurred during your water damage repairs.
- You are not happy with the repair of your home. A public adjuster can negotiate with your insurance company in order to get the “like-for-like” standard outlined in your policy.
- The settlement offered by your insurance is not enough to cover pre-loss conditions. A public adjuster can negotiate with your insurance company to maximize your claim settlement, allowing you to return your home or business to its original condition.
Wherever you’re at in the claims process, you may be wondering—why do I need a public adjuster when I can get my own repair estimates and talk with the insurance company myself?
While it’s true that you can go through the claims process solo, most homeowners do not have experience dealing with water damage claims or in-depth knowledge of insurance policies and home repair. Plus, since a person’s home is often one of their most valued assets, it’s easy to get emotionally involved. Additionally, public adjusters do their best to maximize payouts for insurance claims. They know how to speak to insurance carriers to do everything in their power to get you the money you need for your repairs.
What’s more, most contractors and floor experts are not licensed by the Department of Insurance and are not legally allowed to represent you on your water damage claim. Public adjusters, on the other hand, are licensed by the state and can provide legal representation for you throughout the claims process.
Finally, a public adjuster will be there throughout the entire claim to guide and advise you, negotiate with your insurance company, and manage and submit any necessary paperwork. Since public adjusters understand the claims process and negotiate with insurance companies on a daily basis, they have a lot more knowledge than homeowners when it comes to getting a fair settlement. The best part? A public adjuster only charges a small percentage based on what they settle for with your insurance and will do everything in their power to maximize your claim settlement.
If you’ve experienced water damage to your home or business, Excel Adjusters can help. We’ve settled over 4,200 claims and are committed to getting our clients a fair adjustment from their insurance company. Contact us today for a free consultation.