Water damage in your home? A burglary? A car accident? To be compensated by your insurance, you must first assess the damage you have suffered. To do so, a Public Adjuster may be very helpful. What is his role? To what degree is he involved and how can he help? Here’s a guide of everything you have to know about public adjusters in Fort Lauderdale.
What is a Public Adjuster?
A public adjuster is a person licensed by the United States government. A public adjuster provides mediation services in insurance claims. His role is to manage all aspects of a claim on behalf of the insured. He negotiates on behalf of the general public.
A public adjuster works for you, not for your insurance company as many people think. They use their expertise in the industry to ensure that a claim is handled properly and leads to a fair result. So the goal is twofold. One is to ensure that you receive compensation, and the other is to maximize it.
How Does Public Adjusting Work?
The main goal is to assess the extent and amount of the damage suffered to start the procedure. The public adjuster is required to :
- Determine the circumstances of the loss: What happened? Who is responsible for it?
- Identify the property that was damaged, destroyed, or stolen. This is an important step since it will determine most of the compensation paid to the insured. This is why you should not throw anything away before the public adjuster’s visit.
- Describe the damage, put a figure on it, and assess the age of the property at the time of the loss.
- Recommend precautionary measures if necessary to prevent the damage from worsening.
- Indicate methods of restoration. A public adjuster determines for each damaged property whether replacement or repair is to be preferred.
Top 3 tips Regarding Public Adjusting
Here are 3 tips you should keep in mind when contacting a public adjuster in Fort Lauderdale:
- Make sure that the declarations on your property are correct. These concerns for example the number of rooms and their surface area. In the event of an incorrect declaration, there is a risk that the amount of compensation may be reduced.
- Be careful of the time frame of the loss. The faster you act, the higher the chance of being covered. For example, if a mattress has just been purchased and has been damaged by water damage, it will be covered at its purchase value by the insurer. But if it is 10 years old, a degree of obsolescence will be applied. If you don’t report the damage right after it has happened, it will be a lot more complicated to justify it as an accident.
- It is generally preferable to involve a claims adjuster at an early stage. However, it is important to avoid rushing the decision. You are dealing with large sums of money.
Gold Coast Public Adjusters are all licensed, qualified, and experienced. To find out how we can help you settle your property damage insurance claim, contact us today at 754-444-7411.