What You Lose When You Don’t Hire a Public Adjuster During Claim Filing
Capitol Preferred Insurance
Insurance claims can get really messy. If you don’t know when to call a public adjuster, you’ll be left grappling with the learning curve of filing for a claim. Be it for fire, hailstorm, hurricane, or theft, the provisions of your policy might become overcomplicated. Not to mention the tricks insurance companies play, public adjusters are indispensable.
Public adjusters are experts in insurance. They know how to fight to land you a proper payout. If you’re thinking twice about looking for public adjusters near me, here are some thoughts to ponder:
Reasonable payment
Public adjusters’ job is to secure you the proper payment based on the actual damages. Without their guidance, insurance companies may trick you to agree with a lower payout. Remember that insurance companies aren’t always willing to pay you more than what you pay them. Even if it’s guaranteed by your policy, you need the professional help of a public adjuster.
Equal fighting chance
Insurance companies can easily intimidate you or kill your spirit. But with a public adjuster fighting on your side, you have an equal fighting chance to your claim. They will pursue you claim to the insurer until they give you the right settlement. Most insurance companies need a little pushing in order to pay what they owe to their policyholders.
Decent settlement
There’s nothing wrong with an early settlement. However, most insurers tend to offer a lower payment due to the lack of time to inspect and assess the damage properly. Take note that insurers are pressured by their bosses to settle the claim ASAP. This means a possible financial drawback on you as the claimant. Even if you have to pay for public insurance adjuster fees, the ROI is worth it.
Coverage intimidation
Insurance claims can be very intimidating especially if the company uses examination under oath to discourage you. They will usually raise coverage issues peppered with jargons and technicalities. If you don’t have knowledge about these, you’ll be intimidated to pursue your claim.
So you ask, should I use a public adjuster? At this point, a public adjuster’s guidance is valuable more than ever.
Struggle with the jargons
Like what I said earlier, insurance companies tend to use jargons to mess with your brain. If you’re not well-versed with every aspect of your policy, you might be tricked to sign a premature settlement. The insurer might also make you believe that the damage is worth less than its actual value.
Proper guidance
Public adjusters are your voices of reason when filing for an insurance claim. They will assess your policy and inform you of your rights as a policyholder. If the insurer tries to deny you a claim, the public adjuster you hired will raise some questions that will build a strong case. Sometimes, it just needs a little drive to let your insurer know that you’re not a pushover.
Knowing when to call a public adjuster will save you from the hassle and delays of filing a claim. It may cost a certain fee, but it’s totally worth it once you bag the proper claim payment.
