It’s a process that anyone who’s dealt with an insurance company can relate to. A disaster strikes, you file a claim, and they pay…maybe. Listen we have helped thousands of customers settle their claims and we have seen quite a bit.
From our home base in Cumberland, NJ to Egg Harbor Township, to Philadelphia and our work in Florida we are exposed to all types of weather patterns and experienced with a wide variety of resulting claims.
The problem we see is when insurance companies don’t pay or underpay. Maybe your claim spends months or even years in limbo. Maybe the amount you get back doesn’t cover the cost of repairs to your home.
And in situations like these, having a public adjuster on your side can help. A public adjuster is a licensed professional who works on behalf of insurance policyholders during negotiations with the insurer.
Here are three ways that hiring Interstate Public Adjusters can help you.
1. You’ll have a better handle on your insurance policy
Making a property damage claim is often more complex than many people suspect. Once the process starts, homeowners often learn that they need to juggle multiple complex decisions and track down a lot of specific information in a short amount of time.
In situations like these, it’s easy to become confused or make an error that leads to your claim being denied or held up or to you getting a settlement that’s smaller than you anticipated.
But with a knowledgeable public adjuster, you’ll be working with a professional who has the training and experience to help you grasp the details of your insurance policy. They’ll also know the information your insurer needs when you file a claim and the best way to streamline the process.
A qualified public adjuster can provide detailed documentation of the property damage, create a report on the value of your property before the damage and answer questions from your insurer.
2. You can increase your settlement and protect your rights
Many insurance companies will argue that hiring a public adjuster is a needless expense, that customers would be better off using that money to cover their deductible.
They have a good reason for making this argument. That’s because public adjusters have a solid track record of providing clients with the information they need to realize a larger final settlement.
While insurance companies essentially market themselves as your friend, it’s important to remember that they’re still for-profit businesses, whose priority is to make money. If they have to pay settlements, they aren’t making money.
But with a qualified public adjuster by your side, you’ll have a credible witness by your side if you have to take your insurer to court. However…
3. You’ll stay out of court
If your insurance company refuses to accept your property damage claim, you might have to take them to court, which can be a long, stressful process.
But having a public adjuster on your side can all but guarantee you won’t need to take legal action against your insurer because you’ll have someone on your side who can help expedite the process and work on your behalf to communicate with your insurance company.
Instead of spending money on a legal battle they may not win, the insurer will decide to pay the settlement for which you asked.
We like to say that we hope you’ll never need the services of a public adjuster. That’s because the people we help are typically recovering from some sort of catastrophe, whether it’s a flood, fire or the wreckage of a major storm.
But if you do need the help of a public adjuster, Interstate Public Adjusters can help. We’re licensed not just in New Jersey but Pennsylvania and Florida too, and can help you deal with whatever obstacles insurance companies put in your way. Contact us today to learn more.