Using a public adjuster isn’t the option of all homeowners. But the truth is that these professionals can actually make insurance filing easier and faster. If you don’t have any clue where to start, a public adjuster would be your voice of reason.
Both commercial and residential property losses are traumatic. It’s also expensive, not to mention debilitating to document. But if you tap the help of insurance experts like public adjusters, the burden would be lighter to carry.
Why use a public adjuster? Here are 7 of the most critical insurance claims that public adjusters are making easier to face:
Fire and smoke damage
If there’s one depressing incident your property can experience, it would be damages due to fire and smoke. The flames spare nothing. You will be left in disbelief while facing the need to file for an insurance claim. And as far as insurance history is concerned, it’s never easy to land a decent payout. A licensed public adjuster can help you out.
Storm and hail damage
Hailstorm is a destructive phenomenon as much as storms and hurricanes. The damages can be widespread and intensive which means it requires a large payout. And since it will cost the insurance company a lot of money, insurers will either trick you to a lower settlement or by dragging the claim.
Theft and vandalism
Common but not easy to settle, theft and vandalism claims can be a cause of headaches among property owners. Insurers would exhaust every means to prove that you’re not falsifying the claim. Also, you should prove that you’re practicing measures to prevent the incident from taking place.
Flooding and leaks can compromise the whole household. If not fixed, molds and mildew will start to form. With that, more damages will occur. Water damage is also a tricky claim, with insurers usually denying claimants if the damage isn’t caused by falling water.
Electronic data loss
On this modern era, data means money. Businesses that lost massive data due to fire, theft, and other elements would face the dilemma of filing a claim. Public adjusting companies will be a big help here. They will dig deep on the technicalities of the policy to ensure that your business will be back in operation.
Loss of business income
If your business goes sour, loss of business income can be a ground for a claim. Public adjusters will help you handle the income and inventory coverage. The insurance company would have to look at your business’ projecting sales, the period of interruption, cost of goods, and so on.
Sinkhole and collapse
When heavy snow piles up on your property’s roof, there’s a chance that it will cave in. Thick snow can also force trees and power lines to collapse. Claims for these incidents will be easier if you’re working with a public adjuster.
Using a public adjuster on your insurance claim filing will increase your chance of getting approved. The adjuster will also handle the technicality for added peace of mind.