You might think you can handle an insurance claim on your own. After all, it's not like you're a novice at filing claims. You've filed plenty of them before, right? But did you know that navigating the waters of an insurance claim can be much more difficult than it sounds? In fact, there are many reasons why you should hire a public adjuster to help you with your next insurance claim. Here are 10 of those reasons:
You don't know what kind of insurance policy you have.
You may think you know what kind of insurance policy you have, but are you sure? Your understanding might be based on assumptions or incorrect information.
For instance, if you are not the primary policyholder and do not have access to the policy documents, it can be hard to know exactly what type of coverage it offers. You might think that because your name is listed as an additional insured in the contract, that means that there is coverage available for your losses under certain circumstances (such as when a guest is injured while staying at your home). However, if this person was injured while driving their own vehicle and had no liability limits on their auto policy, then they would have nothing to help pay for their medical bills unless they purchased additional uninsured/underinsured motorist (UM/UIM) coverages on their own car insurance from a different carrier too—but how likely is it that every visitor has done so?
You haven't filed an insurance claim before or in a long time.
If you’ve never filed an insurance claim before, or haven’t done so in a long time, then you may have a lot of questions about the process. It can be overwhelming to know where to start and how to go about filing a claim when there are so many things that need to be considered. You may also not be sure what to do if your insurance company denies your claim.
A public adjuster can help guide you through the claims process, saving you time and money by avoiding common mistakes that homeowners make when filing their own claims. A good public adjuster will ensure that all necessary paperwork is completed correctly in order for your coverage limits under your policy to come into effect as quickly as possible after the loss has happened.
You're worried about being taken advantage of by your insurance company.
You're worried about being taken advantage of by your insurance company.
Insurance companies are in the business of making money, not paying claims. They have teams of lawyers and adjusters who will do everything they can to minimize their exposure and pay you as little as possible. Insurance companies offer a one-size-fits-all solution for every kind of claim—and that's where public adjusters come in. As seasoned professionals with years of experience, we know how to talk to people on your behalf so that they don't take advantage of you. We know how much things should cost and how much money you deserve to receive from an insurance company. This saves you time, energy, and resources when it comes time for negotiations with an insurer after filing a claim!
You want to file a supplemental claim for additional damages.
If your home has sustained additional damages, you can file a supplemental claim to receive payment for them. You can do this even if your policy has expired, but you'll need to pay a fee.
Your insurance company denied your claim.
There are many reasons why your insurance company may deny your claim. It can be because the damage was not caused by a covered peril, or there is not enough evidence to show that you were not at fault. However, it can also be because of a technicality in the policy wording, such as a deductible being too high for them to pay out on your claim. If this is the case, hiring an attorney and filing an appeal may be necessary before moving forward with any other steps.
The most effective way to make sure you get paid what's coming to you is by hiring a public adjuster like me who will work with your insurance company on your behalf and make sure they have all of their bases covered properly while protecting against potential risks or liens from other companies involved in repairing or replacing damaged property including contractors/subcontractors hired by homeowners themselves (if applicable).
You're not receiving the amount of money you need to cover expenses.
You're not receiving the amount of money you need to cover your expenses.
You've suffered a loss and your insurance company is not going to pay for it all. You may have been in an auto accident and incurred medical bills, or you might have experienced a water damage incident that has resulted in mold growth on your property. You need help paying for these expenses, but the insurance company wants to give you only a fraction of what they should be paying out.
Your adjuster is being difficult or unresponsive to communication.
This can happen even when you work with a great adjuster. But if it happens frequently, it's time to consider hiring a public adjuster. A public adjuster will be more likely to fight for your claim and help you get approved by the insurance company.
Hiring a public adjuster is also worth considering if your insurance company isn't responding to your communications in any way -- whether it be phone calls or emails or written correspondence. You shouldn't have to wait for days or weeks for the other party to respond about something as simple as sending them bills and receipts so that they can process your claim faster!
A good public adjuster will be able to guide you through each step of this process so that all parties are on the same page and there aren't any misunderstandings along the way
You don't have the time to devote to your claim process.
If you are like most people, you don't want to deal with insurance companies and their adjusters. You've got better things to do. And if you hire a public adjuster, your relationship with him or her will be professional and limited. Your public adjuster will take care of all the paperwork and phone calls for you, so that you can focus on rebuilding or replacing your home or business without worrying about whether things are getting done correctly by the insurance company.
You do not know the rules, regulations and policies involved in making an insurance claim in your area.
When you hire a public adjuster, you are hiring someone who has been through the claims process and knows how to navigate it efficiently. This will save you money and time, as well as eliminate frustration. A good public adjuster will be able to help guide you through the entire claim process from start to finish.
For example, when filing an insurance claim with your insurance agent or the carrier, if your policy does not provide for all structures on your property (such as fences), then those should be considered for additional coverage before calling your agent. You do not know if this happened or not because no one told you what they were doing while filling out paperwork and submitting claims forms at their office – they just assumed that everything was being handled correctly by them alone without taking into account what might have occurred beforehand between yourself and/or other people involved in some way during this process (such as neighbors). It could have been entirely possible that there was another person who made those decisions first before even reaching out themselves individually without realizing they had done so until later down road when something went wrong; therefore causing major problems later down road when trying getting paid back in full value owed due too much confusion over which policies would cover which items instead of just making sure everything looked correct from start-to-finish – especially since most people don't even know where their own "home" policies live inside their wallets!
Your policy has expired and you are having trouble getting your claim approved.
If your policy has expired and you are having trouble getting your claim approved, a public adjuster will help you get your claim approved faster. The public adjuster can also get your claim approved for more money. The public adjuster may even be able to get your claim approved for a longer time period.
A public adjuster can help you get through the claims process faster and easier with less stress
When it comes to insurance claims, you’re not alone. But you can do yourself a huge favor by hiring a public adjuster. A public adjuster has experience handling insurance claims and will get you through the process faster and with less stress.
First of all, they have plenty of knowledge about how insurance companies work—which means they can spot potential problems before they even happen. That way, the only thing left for you to worry about is getting your stuff back in order after the storm damage or flood damage has been dealt with.
And second of all? They help make sure that your claim gets paid out properly and quickly, so the sooner that happens, the sooner life gets back on track again!
If none of the above reasons has convinced you that hiring a public adjuster for your property damage claim is a good idea, then let us offer one last bit of advice: it is always better to be safe than sorry. The claims process can be long and complicated, and a small mistake or oversight in the process can lead to a rejected claim. If you want to ensure the best possible results and minimize your stress while doing so, we highly recommend considering all of your options before proceeding with your claim—and if you have any questions about what those options are, feel free to contact us here at Public Adjustment Services! We’ll be happy to help.