How to Choose the Right Public Adjuster for Your Insurance Claim and Avoid Common Pitfalls

Juliet D'cruz

How to Choose the Right Public Adjuster for Your Insurance Claim and Avoid Common Pitfalls

When you experience property damage or the loss of personal possessions due to a fire, storm, flood, or other disaster it can be an overwhelming and stressful process. During such a difficult time, having the right public adjuster on your side can make all the difference in getting your claim resolved quickly and successfully.

Public adjusters are insurance professionals who specialize in helping policyholders file claims with their insurance company for damages caused by events that are covered under their policy. They work with clients to ensure they get fair compensation for any losses incurred during these types of incidents. 

If you’re looking for a public adjuster to help with your claim, here are some tips to keep in mind while searching. 

  1. Verify Credentials: Make sure the public adjuster you choose is credentialed and has a good track record of successful claim negotiations with insurance companies. Ask for references from previous clients and contact them to ask about their experience working with the adjuster. You can also check the website of your state’s Department of Insurance to make sure the public adjuster you’re considering is licensed in your area. 
  1. Consider Experience: Look for an experienced public adjuster who understands all aspects of insurance policies, as well as what it takes to get a claim approved quickly and efficiently. The more experience they have in dealing with similar types of claims covered, such as fire damage or flood damage, the better they’ll be able to negotiate and advocate for the best outcome possible. It is essential to find a company that is knowledgeable in public adjusting. The adjustor should be familiar with the local laws and regulations governing insurance claims, as well as the intricacies of the insurance policy itself. Additionally, having access to resources such as an attorney specializing in insurance law can help ensure that all legal aspects of your claim are covered.
  1. Ask Questions: Before hiring a public adjuster, ask them questions about their experience and the process they use to file claims. Find out if they offer free estimates and how long it typically takes for them to get a claim approved. Also, inquire as to whether they will continue working on your case until you receive a satisfactory settlement from your insurance company. 
  1. Request an Agreement: Always ask for an agreement that outlines the services of the public adjuster, payment terms, timeline of events, and any other details relevant to resolving your claim successfully. This helps ensure both parties have a clear understanding of expectations upfront and can help avoid any conflict down the road.
  2. Customer Service: Good customer service should never be overlooked when choosing a public adjuster service company. Look for companies that offer a personalized approach to each case, rather than treat all cases uniformly. A good public adjuster should always be willing to answer questions and provide honest feedback to ensure that you understand the process involved in filing a claim. They should also be available to provide ongoing support throughout the entire claim process, from initial paperwork submission through final settlement negotiation or litigation if necessary.

Common Pitfalls

Property ownership can come with a myriad of potential issues that require careful management and many decisions that need to be made to protect your investment. One of the most important steps you can take as a property owner is to work with a professional residential public adjuster when dealing with insurance claims. However, when working with a public adjuster, there are some common mistakes made by property owners which can lead to costly errors or delays in receiving an equitable claim settlement. 

To help ensure that you get the best outcome from working with a public adjuster, it is important to avoid these common mistakes: 

  • Not Understanding Your Insurance Policy: A common mistake many property owners make is not fully understanding their insurance policy before filing a claim. Although the adjuster will review your policy and explain any provisions relevant to your claim, it is beneficial for you as the policyholder to understand what kind of coverage you have and what kinds of losses may be excluded under the terms of your policy. Knowing this information upfront will help you determine whether it is worth filing an insurance claim and ensure that any disputes arising during the process are handled efficiently.
  • Not Knowing What Evidence You Need To File A Claim: Before submitting an insurance claim, property owners need to gather all necessary evidence such as photographs, videos, reports from experts, receipts for repairs, etc., so that they have all required material ready for submission when working with their public adjuster. Without sufficient proof of damages or losses incurred, making an effective argument can be difficult and cause delays in settling the claim successfully. 
  • Hiring The Wrong Adjuster for The Job: It’s equally important for property owners to find an experienced public adjuster who specializes in their type of case and understands all relevant legal regulations about their situation. Selecting an inexperienced or unqualified person could result in improper evaluation or negotiation techniques being used during the process which might lead to unsatisfactory outcomes from the insurer’s perspective or even worse, rejection of your valid claim altogether.
  • Failing To Provide Relevant Information Promptly: As soon as you hire a public adjuster, make sure they have access to all necessary information concerning your property’s condition as well as related documents like appraisals and estimates so they can evaluate & prepare your case more effectively & efficiently without any delays due to lack of information on their part. Providing complete information promptly is essential for ensuring the timely resolution of any dispute regarding your insurance coverage & benefits received from an insurer’s standpoint while minimizing chances of errors due to incomplete knowledge about your case on either side involved in this process.

By following these tips and avoiding these common mistakes when working with a public adjuster, you can maximize your chances of achieving favorable outcomes for the claims filed against insurers & secure better compensation from them towards expenses incurred due to damages caused by different events like natural disasters or criminal activities on/around premises owned/managed by yourself.