What is an adjuster? Why should I use one? How much will it cost? How long will it take?

These are important questions that anyone dealing with property loss should be asking. It can make the difference between a difficult claims experience with minimal payout or peace of mind with optimal results.

Find answers

What is a Public Adjuster?

A public insurance adjuster is an independent, trained insurance professional who is familiar with the language and functionality of insurance policies. A public adjuster works on behalf of the policy holder to negotiate and handle the insurance claims process. Good public adjusters are generally licensed and are very competent negotiators.

Insurance companies employ their own adjusters to interpret policies, inspect damages and help them determine compensation. Understandably, their financial interests are best served by recommending the lowest compensation possible.

Since a public adjuster’s fees are based on the awarded payout, they will generally be more thorough in their damage assessment and work more closely with the policyholder for a full and fair settlement.

What does a Public Adjuster Do?

A public adjuster can help a policy holder in many ways.

Preparing before disasters happen by photographing personal property or gathering and organizing documentation as evidence of ownership.
Evaluating damages post disaster and estimating cost and time to repair and replace.
Reviewing policies to determine where the gaps and loopholes are.
Organizing claims by gathering documents, evidence, resources and third party analyses.
Negotiating with the insurance company to achieve maximum compensation, challenge delayed or denied claims and handle court litigation if necessary.

Why should one hire a Public Adjuster?

Hiring a public adjuster can make the difference between a difficult claims experience with minimal payout or peace of mind with optimal results. Public adjusters are well trained and well versed. They know what to look out for and where the insurance company might take advantage of the policy holder.

It is advisable to use an adjuster if you are filing a large, high value claim, like fire damage, if you feel your claim was underestimated, delayed or denied or if the negotiations are extra complicated and end up in court.

How much does it cost to use a Public Adjuster?

Most public adjusters charge a percentage of total payout. Rates may vary depending on the size and complexity of the claim.

Some adjusters might charge an hourly or flat fee.

All public adjusters work on behalf of the policy holder, aiming for the highest available payout prescribed by the policy.

How long does it take for a Public Adjuster to negotiate a claim?

It all depends on the type of claim and the availability of data. The insurance claims process could stretch out interminably, require exhaustive paperwork and leave you stressed and drained.

At DCF Adjusters Group we handle every claim as quickly and efficiently as possible, working with insurance companies to find extra money in your policy that you might never know you had.

DCF Adjusters Group. We’re on your side.

347-263-0907

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