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

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.

What does a public adjuster do?

We should start by answering this question. A public adjuster is a licensed professional with expertise in the insurance claims industry. They work with policy-holders to protect their interests and make sure they get the best settlement possible.

A public adjuster will:

  • Make sure your rights are protected throughout your claim
  • Analyze your insurance policy and apply all policy provisions
  • Assess the extent of your property damage
  • Negotiate a timely settlement, based on their examination

I like my insurance company. Why should I hire a public adjuster?

You and your insurance agent may get along great, but when you file a claim, your insurance company will have professional adjusters to look out for their interests. Why shouldn’t you do the same?

A licensed public adjuster understands your policy and how much money an insurance company owes you for damages. This figure can often be more than what the insurer will offer you in a settlement.

Will I have to pay a fee?

When you work with a public adjuster, you won’t need to pay any out-of-pocket expenses. Rather, your adjuster works off a contingency fee: In short, we only get paid after we reach a settlement with your insurance company.

Can you help in the wake of a catastrophe?

Yes. You should always call your public adjuster first. They can handle all the aspects of your loss, including notifying your insurer of your damages with information based on their own expert examination. This will allow you to receive a fair settlement.

What kind of claims does a public adjuster help with?

A licensed public adjust deals with several different kinds of claims, including (but not limited to):

  • Falling object damage
  • Flooding
  • Hurricanes
  • Fire and smoke damage
  • Water damage
  • Flooding
  • Storms
  • Lightning damage
  • Accidents and natural disasters
  • Structural collapse damage
  • Theft and vandalism

Are there other steps I can take?

If you can’t reach an agreement on your claim, you still have options. Remember that you can report what you feel is mistreatment to your state’s insurance department which will investigate your claim and advise you on what to do next.

The department might tell you to hire a lawyer. Keep in mind that – unlike hiring an adjuster – you may have to pay a fee up front, as well as any other costs. Make sure there is a fee structure in place when you hire an attorney.

Has your home been damaged in a storm, a fire, or any of the other types of disasters we described above? Interstate Public Adjusters can help.

Licensed in Pennsylvania, New Jersey and Florida, our experts are skilled at helping you deal with your insurance company, and helping you avoid any roadblocks they put in the way of your claim.

Contact us today, and we’ll work to make sure you get the best settlement possible from your insurer.

One thought on “Using a Public Adjuster to Avoid Insurance Claim Denial

  1. I thought it was really interesting how the article mentions that hiring a public adjuster can help you make sure your rights are protected throughout your claim. My mother-in-law recently had some water damage happen to her home, but is having trouble getting her insurance claim approved. Would she still be able to benefit from hiring an adjuster? Or does an adjuster need to be hired at the beginning of the claim process?

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