When to Hire a Public Insurance Adjuster | National Adjusters are the Nations Top Rated Public Adjuster and Insurance Appraiser

when to hire a public adjuster

Public Adjusters

Hire the Public Insurance Adjuster at the Right Time

Like any situation, it’s always best to get professionals involved as early in the process as possible. Our Public Adjusters are trained to review and understand property insurance policies. Without proper representation, there may be additional coverage you are entitled to that you may not be aware, or paid on.

Like all professional assistance it does come with a cost and many policyholders make the decision to handle their claim themselves. Very few are successful, but many become bogged down in the process and are never really sure they received the proper settlement amount. With an insurance claim a policyholder should beware they should not agree to or sign anything presented to them by their insurance carrier that they are not totally comfortable with.

You should consider hiring a Public Insurance Adjuster when one or more of the following conditions exist:

You don’t understand your insurance policy.

Insurance contracts can sometimes be confusing documents leaving individuals unsure of their coverage. Turning to your insurance agent for clarifications can sometimes help. If you cannot understand your policy, consider asking National Adjusters for help. Most reputable Public Adjusters will review your loss free of charge.

You don’t have the time to deal with the demands of the insurance company.

People already have full lives. They work and have family commitments and may not want to deal with the stress of trying to get a claim processed and paid. Let us deal with the claim and you can continue on with your lives.

Your damage is extensive.

Severe property damage creates a variety of complicated claims issues. Claims that are extensive can mean the insurance company will most likely miss a vast number of items you are entitled to. Also certain expenses may also be placed in the wrong claims categories. Identifying hidden structural damage, valuing your loss properly and accounting for possessions and valuables can greatly impact the value of your claim.

You don’t have the expertise.

Filing an insurance claim (especially with extensive and complicated damages) can be a daunting task. Get help if you are confused and avoid mistakes that might affect your settlement. You wouldn't trust a large tax return to anyone by a CPA, why should you trust your claim to anyone but a professional that has your interest in mind.

The insurance carrier appears to be delaying your claim.

This often happens when major catastrophes create claims backlogs. In many cases we have seen insurance companies bring in out of state adjusters who do not understand state law or construction in your area. In all states, insurance carriers are required to respond to you and process your claim in a specified time period, typically 72 hours. If you are getting the run-around, call National Adjusters right away.

The insurance carrier is offering a quick payoff.

Insurance company research shows that the quicker a policyholder gets paid-off the happier they are. Unfortunately, what may appear to be great customer service can be an attempt to get rid of a claim and get you to settle for less money due to the stress and desire to be done with the claim because of your frustrations. The insurance claim process is slow, you need take your time and make sure you are protected. You should not be rushed or forced to sign a release or anything until you understand the true impact a claim can have.

The insurance carriers settlement offer appears to be a low-ball offer based on your coverage.

More often that not, the insurance company adjusters and carriers do not always act in the best interest of their policyholders. They are in business to turn a profit and may value damages to your property differently than you. Better yet, they may determine that you are not covered for some of the damage when in fact you are. Sometimes offers will not even approach the value of restoring the damaged property and they tell you that you are below deductible (many times this is NOT the case). This is the time to contact National Adjusters, we use the same estimating software as the insurance carrier and we understand insurance policy language with will benefit you.

Your insurance claims adjuster is discouraging you from hiring a public insurance adjuster.

This is illegal and the first sign you should definitely hire a public adjuster. When insurance claims representatives are afraid to deal with a licensed professional its because they know we are going to make them pay every penny you are entitled and its more work for them. You should be the only one determining if hiring your own public adjuster makes sense and is worth the cost. Lastly, its illegal for them to dissuade you for seeking professional help from a Public Adjuster

Attorney or Public Adjuster

We see some policyholders get confused about whether they should hire an attorney or public adjuster to handle their claim. Both have a valuable advocacy role in the claims process. To get value from both we would suggest hiring a public adjuster on the front end to manage your claim. Only if you are denied or legal issues arise that the public adjuster cannot handle would you need to hire an attorney.

Want to know more about the type of claims that we help you with or have any other questions pertaining to our claim filing processes?

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