When you’ve experienced property damage loss, you may be considering whether or not you should hire a public adjuster. In most cases, the answer is yes. A public adjuster represents your interests in the claim, not the interests of your insurance company. As a policyholder who pays premiums on time, you have certain rights in the event of damage to your property. To ensure you get the full amount you’re entitled to, look for these four clear signs you need to work with a public adjuster.
1. You’re Being Asked to Provide Documentation to File Your Claim
When you have a significant claim as a result of catastrophic damage to your home, your insurance company will ask you to document your claim with reports, receipts, and pictures. Make no mistake. This is a crucial step in the claims process, and the insurance company won’t be helping you to prepare your claim. The entire process will be up to you unless you hire a public adjuster. Documenting your catastrophic losses is an enormous task that really only seasoned experts can do correctly. Otherwise, you risk missing out on a portion of the amount you are due; either through omission or undervaluing your losses.
2. The Insurance Policy Language or Claims Process is Confusing to You
Insurance policies are often written in legalese that is challenging for the average person to fully understand. Even the supposed “user-friendly” versions may contain confusing language like Period of Restoration, Business Interruption Coverage, Actual Cash Value, and Replacement Costs. These industry terms can be hard to fully grasp. Not only that, but you may have received a significant amount of information about the actual claims process over the phone, where it’s impossible to accurately write everything down that the insurance representative told you. If you are feeling overwhelmed with the complexity of the policy or the claims process, this is a clear sign you should hire a public adjuster to handle the claim on your behalf.
3. You Lack The Time To Handle The Insurance Claims Process Yourself
When you suffer a major loss to your business or home, there’s a big challenge ahead. Not only are you expected to carry on your family life and work responsibilities; now you are tasked with the full-time job of handling the monumental claims process. Frankly, this can feel like a second full-time job, and there are only so many hours in a day. The stress of dealing with the emotional crisis following a major loss combined with the stress of trying to submit an accurate claim can feel like its own catastrophe. If you’re in this position, you can immediately alleviate the burden simply by picking up the phone and hiring a public adjuster.
4. You Feel Like You’re Getting the Runaround From Your Insurance Company
Many home insurance companies strive to give the best customer service they can. Unfortunately, things don’t always happen as they should. What sometimes happens is that the homeowner’s phone calls aren’t returned in a timely manner, or there’s a “disconnect” in communications. If you suspect that you aren’t getting the right attention from your insurance company, it’s definitely time to call in the services of a public adjuster.
Don’t take any risks when it comes to staking a claim on your property damages. Seeking professional help in the form of a public adjuster is the best way to handle your insurance claim. You’ll save money, time, and most of all, you’ll have the peace of mind knowing that someone is working to ensure you and your family are fairly compensated. Contact us today to learn more about what a public adjuster can do for you.
Contact us today to learn more!