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.
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.
A public adjuster can help a policy holder in many ways.
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.
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.
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
Reach out. Let’s talk.
Or send us a message here.