TOP 4 REASONS FOR WHY HOMEOWNERSSHOULD HIRE APUBLIC INSURANCEADJUSTER

Introduction

A Public Insurance Adjuster (PA) is an insurance professional who advises, assists, and advocates for

homeowners to help them maximize property claim damage settlements.In a nutshell insurance claim adjusters represent the insurance

companies while Public Adjusters represent the interest of the public,helping the public receive all that is coming to them in a property

damage settlement. Here are the 4 best reasons why one should hirePublic Insurance Adjuster for the claims.

1. TheyRepresent You

As a consumer, we normally think that the companies we choose to do businesswith have our best interest at heart. But it is not the case. The insurancecompany's claims representatives and claimsadjusters represent their company, not you. Ifyou hire a competent Public Adjustment firmor adjusters, you will be adequatelyrepresented to get them all that you arelegally entitled to according to your contractcalled an insurance policy. And they work inthe best interest of you within conditions andcases.

2. Determine Coverage,Limitations, and ExclusionsIf your agent reviewed the policy to explainall that you are covered for you are a luckyperson. Therefore an insured client doesnot know when to submit a claim becausethey do not know they are covered. On theother side when you submit a claim that isnot covered some insurers count that as aclaim against the policyholder. Your PublicAdjuster will advise you when you are andare not covered and when to submit a claim.

3. Ensure Policy Conditions are metWhen there is a legitimate claim there are certain duties and responsibilities thepolicyholder has. They must first mitigate the damage. This means to stop the bleedingor further damage would not be covered. Insurance companies use this one duty todeny or low ball settlements every day. Secondly, you must preserve the evidence ofthe loss. This is more than taking pictures. The companies have the right to see theactual loss. Taking pictures is good, but you must also preserve the proof of loss.

As the burden of proof to prove the loss exists and theactual cost of the loss is on the property owner, howdoes an individual analyze the full scope of the damageand prepare actual cash value and replacement costdamage estimates. This is beyond the knowledge andexpertise of most home improvement contractors. Ifthat is the case how then can a layperson, a homeownercomply with this duty of the policyholder? They can't.As the companies insurance adjuster offers you asettlement, the scope of work and damage estimate isin the favor of the insurance company, believe it or not.

4. Public Adjusters PrepareDamage Estimates