If your home suffers damage due to something that was an accident, you will benefit from hiring a public insurance adjuster. When a significant accident such as; fire damage, storm damage, water damage, vandalism or other issues that require insurance money to repair, an experienced public adjuster will help you navigate the complex claim submission process.
First off, what is a public adjuster? A public adjuster works for you, the homeowner, they do not work for the insurance company. An experienced public adjuster works hard to ensure you receive the maximum settlement for your claim. It is important to note, a public adjuster is paid a percentage of your total claim and do not charge up front fees nor do they charge by the hour.
A professional association for public insurance adjusters, The National Association of Public Insurance Adjusters offers the following description:
Why Does a Home 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.”
National Association of Public Insurance Adjusters, https://www.napia.com