October 12, 2021
A Public Adjuster Can Negotiate Your Property Damage Claim
If your home or business suffered property damage in a storm or other event, this may be the first time you will file a property damage claim with your business or homeowner’s insurance company. For instance, for a small claim, you may want to deal directly with the insurance company adjuster and the company rep. However, for large claims, you may want to hire a public adjuster. A public insurance adjuster can expedite the filing of a claim and assist you during the claim process. In addition, a public adjuster can negotiate your property damage claim, probably better than you.
Insurance Company Adjuster vs. Independent Adjuster vs. Public Insurance Adjuster-What is the Difference?
Usually, insurance companies use two types of adjusters. First, insurance company adjusters which work directly under the carrier. Consequently, they are paid a salary by the carrier as an employee.
Public Insurance Adjusters
What Does a Public Insurance Adjuster Do?
Your Adjuster Can Negotiate Your Property Damage Claim Settlement for You
You can bring a public adjuster into the claims process at any point. You can get an adjuster immediately after the loss. He can be at your property when the insurance company adjuster visits. He can help you prepare and file the damage claim with your insurance company.
You can also hire a public insurance adjuster after the insurance company makes a settlement offer. You may feel the offer is too low. Perhaps the insurance company denied coverage for parts of your claim.
In any event, a public adjuster can jump in to help. Once the public adjuster has submitted his report to the insurance carrier, he can negotiate a settlement on your behalf.
Let’s face it, most people have little experience negotiating with professional people over large ticket items, such as repairing a roof, replacing expensive carpeting and woodwork or rebuilding a house with a large tree resting on it.
But public adjusters do. In fact, they do it often. Probably several times a week.
In short, the public adjuster will know what is in your insurance policy. He will have a complete understanding of the damage to your property.
He will also know what it will cost to repair or replace your property.
Be your advocate in discussions with your insurance company.
He will make sure you get the insurance settlement you are due.
Where Can I Find a Public Insurance Adjuster?
Go to the website for the National Association of Public Adjusters. First, interview the adjuster. Then get several references.
A good public adjuster will have a list of references handy. Contact those references.
Get Help from a Public Insurance Adjuster
We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.
Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents to challenge your insurance claim’s validity.
We understand that you have already gone through a tumultuous event. For this reason, get an agency that gets you more.
At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies. Furthermore, we understand where they cut corners.
Moreover, we help you build a larger claim and maximize your claim value. In short, we get you back to normal fast. Don’t get fooled, get the company that gets you more.
Best way to beat the insurance company is to hire AllCity Adjusting
At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
Real Support When You Need It!
If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.
Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.
Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.
Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?
One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.
Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.
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