Public Adjuster FAQs
What is the job of a public adjuster?
A public adjuster is a professional who helps individuals and businesses file insurance claims and get the money they deserve after a loss. Public adjusters work with policyholders to document losses, negotiate with insurance companies, and settle claims.
Instead of a public adjuster working with an insurance company, the person filing the claim hires an adjuster to ensure they receive the right amount of compensation. Many insurance companies try to cut corners when issuing payouts, and it’s the public adjuster’s job to stop this from happening.
How can a public adjuster help me?
If your home incurs damage, then the first thing you often think of is filing a claim. However, when you file a large claim, insurance companies can often overlook a lot of the damage. You might find yourself with a lesser amount than you should be entitled to, but that’s where a public adjuster comes in.
Your public adjuster will argue your case and ensure you’re getting the right amount of compensation. In some cases, this might mean hiring a contractor to survey the damage or liaising with the insurance company to discuss your payout.
How long will it take to settle my claim?
There’s no set time to settle your claim because it depends on the type of damage, your insurance company, and how easy it is to come to an arrangement. Your public adjuster will do everything they can to resolve everything quickly, but the ultimate goal is getting you the financial award you deserve.
What if I don't have coverage?
Your insurance company uses adjusters to determine how much compensation you deserve, but it’s important to remember that they work for the insurance company. We’d always recommend hiring a public adjuster because the case will be fairer.
To claim for property, automobile, or other damages, you need to have insurance coverage in place. Otherwise, you won’t be eligible.
How much does a public adjuster cost?
Most public adjusters choose to work on a percentage rather than charging an outright fee. They’ll visit you to evaluate the damage and decide whether you’re eligible for assistance.
Once your compensation award is decided, your public adjuster will take a percentage as their fee. It’s always best to check with your adjuster before you proceed to be sure you’re getting a fair service.
The fees also depend on how much you’re awarded and whether the adjuster has a lot of experience, with newer public adjusters often charging less. Our prices are fair and in line with industry standards. Don’t hesitate to get in touch with us to learn more about our pricing structure.
The costs to rebuild my property are much higher than the insurance is willing to pay. What should I do?
It’s common for an insurance company to offer a lower amount, but you have every right to hire a public adjuster if you feel you’re entitled to more. Your circumstances depend on the type of coverage you have and whether your adjuster believes you should receive more.
Ultimately, the best thing you can do is hire a public adjuster because if there is a case for more money, you’ll have a strong chance of winning.
What type of claims can a public adjuster help me with?
Public adjusters typically help with hurricane damage, fires, wind, smoke, and flooding claims. In some cases, you can also use us for other losses such as rental income and business losses.
What areas do you service?
We are Public Adjusters serving New York, New Jersey, Connecticut and Florida!
What if my claim has been denied?
In some rare cases, regardless of a public adjuster’s work, the insurance company might still deny the claim or offer a lower amount. However, we might have to turn to litigation to resolve the case.
Taking legal action is rarely required, and it’s very uncommon – but still an option.
Who should use a public adjuster?
You pay your insurance premiums every year and expect your provider to support you when you need it most. Many providers will use jargon and make excuses to decrease your award, but a public adjuster can help you get the financial reward you deserve.
Anyone who wants to ensure they get the right compensation amount should use a public adjuster.
Get in touch.
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