Filing an insurance claim after property damage can feel very overwhelming. Between dealing with repairs, understanding your insurance policy terms, and negotiating with your insurance company, it’s easy to wonder if you should have brought in professional help sooner. If you're asking, “Is it too late to hire a public adjuster?” The good news is that in many cases, you still have options. Whether your claim is in progress, underpaid, or even denied, a public adjuster can step in and help you navigate the process.
What Does a Public Adjuster Do?
A public adjuster works on your behalf, not the insurance company: they assess property damage, review your policy, and negotiate a fair and reasonable settlement for your claim. Unlike the adjuster assigned by your insurer, a public adjuster is focused on advocating for you.
A licensed public adjuster will help with:
- Claim Evaluation: They review your insurance policy and assess the full extent of the damage.
- Documentation: A public adjuster gathers evidence, takes detailed photos, and compiles reports to support your claim.
- Negotiation: They handle discussions with the insurance company to fight for a fair and reasonable settlement.
- Reopening Underpaid or Denied Claims: If your claim was underpaid or denied, a public adjuster can work to get it reconsidered.
By hiring a public adjuster, you’re leveling the playing field and making sure that your insurance company doesn’t undervalue your claim.
When Is It Too Late to Hire a Licensed Public Adjuster?
The short answer: it depends on your situation. In many cases, you can still bring in a public adjuster even after your claim has been filed, underpaid, or denied. However, there are a few important factors to consider:
- Claim Deadlines: Insurance policies have time limits for filing and reopening claims. If too much time has passed, your options might be limited.
- Settlement Status: If you've already accepted and signed a final settlement agreement, it will be difficult to reopen your claim.
- State Regulations: Some states have specific rules about when a public adjuster can get involved. It’s worth checking local laws or speaking with a public adjuster.
- Extent of the Damage: If new damage is discovered after a claim has been settled, you might be able to file a supplemental claim with the help of a public adjuster.
If you’re unsure whether you can still hire a public adjuster, the best approach is to ask. A quick consultation can help determine if there’s still time to fight for a better outcome.
What Are the Timelines for Hiring a Public Adjuster?
Before the Insurance Claim Deadline Comes Up
Insurance policies set strict deadlines for filing property damage claims. If you wait too long, your insurance company could refuse to cover the damage. A public adjuster can help you file before the deadline and make sure all necessary documentation is included.
Immediately After Any Damage Occurs
The best time to hire a public adjuster is right after property damage happens. Whether it's from a fire, storm, or sudden water leak, getting a professional involved early ensures that no damage is overlooked and that your insurance claim process starts on the right track.
Once the Insurance Claim Is Filed
If you’ve already started the claims process but feel overwhelmed or unsure what to do, you can still bring in a public adjuster. They can step in, gather additional documentation, and negotiate with the insurance company to advocate on your behalf for a fair and reasonable settlement.
During the Insurance Claim Investigation
When an insurance company's adjuster works on your claim, their goal is to minimize the payout. A public adjuster makes sure that your claim is handled fairly and that the full extent of your losses is considered. Having an expert on your side during this phase can potentially make a significant difference in the outcome.
Before Receiving an Insurance Claim Settlement
Even if you're close to receiving a claim settlement, it’s not too late to hire a public adjuster. If the offer seems too low, a public insurance adjuster can review the details and negotiate for a better outcome. It’s always worth a second opinion before signing off on a final settlement.
Get the Fair and Reasonable Settlement You Deserve With Excel Adjusters
Handling property damage claims can be stressful, especially when dealing with an insurance company's adjuster. At Excel Adjusters, we specialize in making sure property owners get the compensation they deserve. Whether you’re just starting your claim, in the middle of negotiations, or dealing with an underpaid settlement, we are here to help.
Don’t wait until it’s too late—contact Excel Adjusters today to hire a public adjuster who will fight for your best outcome.
