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After filing an insurance claim, you more than likely expect to receive your claims check within a reasonable period. Sometimes, there are delays or the amount that is offered by the insurance company does not meet the expectations of the policyholder. When this happens, a public claims adjuster could help. If you are unsure if you need a public adjuster to help with your claim, here is what you need to know.
Why Should You Hire a Public Adjuster?
A public claims adjuster can represent your interests with the insurance company. The adjuster has received special training that enables him or her to work with the company throughout the entire claims process.
Hiring a public adjuster helps to ensure that your claim is treated fairly by the insurance company. Sometimes, the insurance company's appraisal of a property damage or loss is not fair to the policyholder. The adjuster will perform his or her own appraisal of the damage and use the amount calculated to negotiate with the insurance company for a fairer settlement amount.
An adjuster is experienced in reading and understanding policies. His or her knowledge of the insurance company's contractual obligation to you could make the difference between having your claim paid at a fair amount or being denied or compensated less than expected.
How Do You Select a Public Adjuster?
Before deciding on a public claims adjuster, you need to carefully research your options. The fee for the adjuster comes out of your settlement, so you want to be sure you hire someone who is going to get the job done.
You can start the search for an adjuster by checking with your state's licensing board. You can learn which adjusters are licensed in your area and find out whether there were complaints filed about any of them. If there were complaints, find out how many are resolved and unresolved.
In addition to this, pay close attention to the fees that the adjusters are charging. Although price should not be the sole deciding factor when it comes to selecting an adjuster, you must remember that you are the one responsible for paying for his or her services. You want to ensure that the fees are reasonable for the amount of settlement you are expecting to receive from the insurance company.
Schedule a consultation with a public claims adjuster to learn more about how he or she can help your situation.
Share17 August 2017
