by Scott Blumenshine
If your home was damaged by something that was “sudden and accidental” you may benefit from hiring a public adjuster. You may have experienced damage due to fire, storm, water or other occurrence and need insurance money to make repairs or renovations. A good public adjusting firm has the experience and expertise to advise you in the claim process.
What is a public adjuster? A public adjuster works for you – the insured homeowner. A public adjuster works to obtain a full and fair insurance settlement. The public adjuster is only paid if you get a recovery. You do not pay a public adjuster a down payment or an hourly fee.
A public adjuster is not an insurance company adjuster. Insurance company adjusters are insurance company employees who handle claims on behalf of the insurer. Insurance company adjusters’ jobs are to either pay or deny claims for the insurance company.
A professional organization for public insurance adjusters – The National Association of Public Insurance Adjusters – describes the work of public adjusters:
Why Does a Property Owner Need a Public Adjuster?
A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments. http://www.napia.com/
Insurance companies are well equipped to delay or deny claims. You may do well to equip yourself with a public adjuster to handle your claim. With a contingency fee contract (no fee unless they get you money) you may have little risk or downside to hiring a public adjuster.
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