Your Insurance Company Uses Professionals to Protect Their Interests. You Should Too!

Wind Damage To Your Roof? Use A Public Adjuster

Wind Damage To Your RoofOne of the most common types of damage that occurs to many homes in the New Jersey or Pennsylvania areas is wind damage to the roof and shingles. In order to maintain the structural integrity of your home, this has to be repaired as soon as possible. However, it can often be a hassle trying to make a claim with your insurance company. Receiving the correct amount and in a timely manner becomes quite a challenge. If you’ve ever had to go through this kind of experience, you’ll know just how aggravating it can be. Whenever you’ve suffered wind damage roof or any other kind of damage to your home after a strong storm, the best thing you can do for yourself is to retain the services of a public adjuster.

What is a public adjuster?

Keep in mind that insurance companies all have professionals who work for them, so as to help them accomplish their best interests, which is to pay out the least amount of money possible. It’s only reasonable that you as a client of those insurance companies should also have a professional working on your behalf, to help you achieve your best interests when you’ve suffered wind damage roof.

In the case of wind damage roof or any other type of damage to your home, that means you need the maximum settlement, so you can adequately cover the cost of any repairs. A public insurance adjuster only represents consumers, and does not work with the insurance companies, so their sole focus is on helping you obtain the money you’re entitled to.

As an example, when you’ve sustained wind damage roof, there will be some obvious damage such as missing shingles. But wind damage roof can also cause harm to the underlayment, and to the roof structure as well. Wind damage roof can loosen any of the original materials used in roof construction, although this might not be visible to the naked eye. Only a professional might recognize the true extent of wind damage roof, which is why a public adjuster may recommend a professional inspection.

Why use a public adjuster to submit your claim?

There are actually several reasons you should retain the services of a public adjuster when submitting a claim for wind damage roof to an insurance company. First of all, a public adjuster will help you to understand the intricacies of your policy, and can help you be aware of all the ‘fine print’ clauses which you may have been unaware of.

You’ll also find that using a public adjuster will expedite your claim, because all the proper information will be supplied the first time, so there won’t be any snags or obstacles in processing your claim. A public adjuster will be knowledgeable enough that they can gather all the required paperwork and documentation to support your wind damage roof claim, so it can all be submitted in a timely fashion, thereby shortening the time before you are compensated.

Your rights as a policy holder will be protected by a public adjuster, so the insurance company won’t take advantage of you. The adjuster will act as your personal advocate, having no ties to the insurance companies whatsoever. On your behalf, the adjuster will manage all communications between yourself and the insurance company, and will negotiate to ensure you receive the maximum amount of your entitlement.

A survey was recently conducted by the Office of Program and Policy Analysis and Government Accountability (OPAGGA), which revealed some startling results regarding claim payouts. When a public adjuster represented a client, the payouts were a whopping 747% higher than the insurance companies were initially willing to pay out. This fact alone should point up the importance of having a public adjuster to represent you in any negotiations with your insurance company.

If you’d like to learn how we can save you money, contact us today!

Getting Ready for the 2019 Hurricane Season

Trees that fell on a house during a hurricane

Are you ready for Andrea? Barry? What about Humberto, Jerry and Karen?

Those aren’t people, but rather the names meteorologists will give to the tropical storms and hurricanes as they develop in 2019.

In a few short months, people up and down the east coast could be cleaning up after hurricane damage, which means we’ll likely be dealing with hurricane claims. PA and NJ: pretty much any state on the east coast is susceptible to some level of destruction from tropical storms.

We’ve talked a lot about how to recover after a storm hits and dealing with NJ and PA hurricane claims, but we haven’t dealt much with hurricane preparation. With that in mind, we’ve decided to share this list from FEMA on how you can prepare for hurricanes before, during and after the storm.

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Using a Public Adjuster to Avoid Insurance Claim Denial

Public Adjuster Claims AssistanceIt’s something we see all too often in our line of work: Someone has had a claim denied by their insurance company, and they come seek out a public adjuster for help.

Unfortunately, there’s not much we can do for people after a claim is rejected. But a licensed public adjuster can play an important role when they become involved early in the process.

Read on to learn how using a public adjuster can help you avoid claim denial.

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