Written by Andy Gurczak

October 12, 2021

Do You Need a Public Adjuster?

Do You Need a Public Adjuster?

Fires, hurricanes and falling trees can seriously damage your home, business or other property you own. Of course, you have insurance to cover damage to your property. However, what if your insurance company offers you a low-ball dollar settlement of your claim? In the event that happens, you need a public adjuster to help you fight your insurance company.

Do You Need A Public Adjuster

What is the Difference Between a Public Adjuster and an Independent Adjuster?

After you file an insurance claim, the insurance company will send an adjuster to inspect your damaged property. In fact, some insurance companies have adjusters as paid employees. Thus, they are known as company adjusters.
 
However, insurance companies also use “independent” adjusters. They are not employees of the insurance company. Hence, they call themselves independent adjusters. Notwithstanding that title, independent adjusters work for the insurance company.
 
Generally, they work for an independent adjuster firm. In addition, that firm has an ongoing business relationship with the insurance company. Consequently, the insurance company will hire independent adjusters to handle claims their internal staff cannot.
 
For example, a hurricane or tornado may hit a large area of a state or county. Therefore, there may be a number of home insurance claims. As a result, the insurance company will send out independent adjusters to inspect damaged property in addition to company adjusters.
 
Equally important to remember is the insurance company pays the independent adjuster firm for its claim adjustment services. Moreover, independent adjusters know that insurance companies are not in the business of overpaying claims. Likewise, independent adjusters know that insurance companies are in the business of collecting premium payments. In short, they want to pay out as little as possible to settle claims.

Do You Need A Public Adjuster Difference

You Need a Public Adjuster Who Works for You

On the other hand, if you need a public adjuster, he works for you. Public adjusters are also known as private insurance adjusters or private adjusters.
 
The primary difference between public adjusters and independent adjusters is that independent adjusters work for the insurance company. And public adjusters work for the insured. Therefore, a public adjuster is not beholden to insurance companies.
 
Consequently, hiring a public adjuster is a good idea, especially if you have a large claim.
Usually, public adjusters do not charge hourly fees. In addition, they do not require a retainer fee. Rather, the public adjuster is paid a percentage of the final claim settlement amount. Furthermore, the insurance company pays nothing to the public adjuster.

If You Need a Public Adjuster, What Will the Public Adjuster Do for You?

The public adjuster will work for you. Therefore, he will examine your homeowner’s insurance policy to determine the extent of coverage for the event that caused the damages.
 
Furthermore, the public adjuster will then inspect your damaged property. Afterwards, he will help you in filing a claim. He knows what insurance companies need to see in a claim.
 
In addition, a public adjuster knows the damages caused by the fire or storm extend far beyond broken windows or flooded basements:

Water Damages

Public adjusters know that water damage from burst pipes or floods often extends beyond what the naked eye sees. For example, water seeps into floors, gets behind walls and into ceiling rafters. Additionally, over time, water can erode support beams and foundations. A public adjuster will force the insurance company to compensate you for all damages caused by flooding or storms.

Do You Need A Public Adjuster Water Damage

Fire Damages

Like water, a fire in any building causes damages beyond what we may readily see. Smoke and soot can invade building interiors, furniture and clothing. Perhaps a local fire department had to respond to the fire. In that case, besides fire damage, you will look at damage caused by the water the firemen used to put out the fire.

Public adjusters will inspect the scene and itemize all of your damages. Furthermore, the public adjuster will fight with the insurance company to make sure the insurance company fully compensates you for your fire damage losses.

Do You Need A Public Adjuster Fire Damage

Storm Damages

If a hurricane, tornado or other extremer weather event damaged your property, you need a public adjuster. Considering the extensive damage to your property, a public adjuster can help you get the claim settlement amount the insurance company owes you.

The National Association of Public Adjusters can let you know who the licensed public adjusters are in your area.

Do You Need A Public Adjuster Storm Damge

If You Need a Public Adjuster, Call AllCity Adjusting

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.

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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.

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Real Support When You Need It!

Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

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.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

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.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

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.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

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?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

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.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

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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