Written by Andy Gurczak

October 12, 2021

Getting a Second Opinion from a Public Adjuster

Getting a Second Opinion from a Public Adjuster

A natural disaster damages your home. The home insurance company has sent an insurance adjuster to inspect the property damage. Indeed, the adjuster seemed friendly and professional.

However, the claim settlement offered by the insurance company seems low. After all, the water damage to your home ruined the expensive carpeting, molding and flooring. Consequently, they will have to be replaced. The repair costs will be high.

Do you need a second opinion from a public adjuster? Who knew filing a property insurance claim could be so difficult? Will you have more than 24 hours to do this?

The answer to the first two questions is “yes.”

It’s more important for large claims to get a second opinion

People pursuing a property damage settlement with their homeowner’s insurance company should not hesitate to get a second opinion. Certainly, for small claims, it may not be worth the time and expense.

However, for substantial claims, it is in the insured’s best interest to get a second opinion. Remember, no matter how friendly the adjuster was, he works for the insurance company. This goes for independent adjusters too; both get paid by the insurance company. As a result, they are looking out for the insurance company, not you.

On the other hand, public insurance adjusters will help you in filing a claim. Moreover, they will work for you during the claim adjustment process. Moreover, they will look out for your best interests.

There are other issues that arise in the claim process that mean that you should get a second opinion:

Replacement Value Versus Actual Cash Value

Formerly, insurance policies would compensate property owners for the values of the damaged property at the market value of the damaged property at the time of the covered event. Therefore, if a storm damaged an 8-year-old truck, that truck is only worth 40 to 50% of what a similar new truck is worth today.

And that is all the insurance company would pay.

However, insurance companies now offer replacement cost riders. For an additional insurance quote, insureds can purchase replacement cost protection. Consequently, insureds can claim the replacement cost of like property in their claim.

However, if you are settling on an actual cash value basis, the insurance company may over-depreciate your property. As a result, you will receive a lower payout on your claim.
Therefore, hiring a public adjuster for a second opinion makes sense.

The Insurance Company Wants More Estimates

You want to use your damaged property as soon as you can get it repaired or replaced. Or you want to fix your damaged business so you can start up your business as soon as possible. Therefore, you have gotten estimates to repair or replace your damaged property.
You contact your insurance company. But the company rep tells you in a phone call that they want more “competitive bids.” Likewise, the insurance company wants you to use a contractor with whom they have a relationship.

Do not fall for it. It is a good idea to use a contractor with whom you are comfortable. A licensed public adjuster can help you convince the insurance company that your contractor’s estimate is correct and covered by the policy.

If You Need a Public Adjuster for a Property Loss, 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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How to Handle a Commercial Large Loss Restoration

If water, fire or a storm has severely damaged your business, you need help. Dealing with a large-scale catastrophe by yourself is not the way to go. Filing a commercial large loss restoration claim will take time, effort and patience.
Therefore, you should hire a public adjuster so that your insurance company pays you every dollar to which you are entitled.
You will also need a restoration company to immediately respond to your business. In fact, most good ones are available 24 hours a day, seven days a week. In addition, they will make an emergency response to begin the restoration process.
There are several procedures restoration services companies go through when responding to a commercial property damage incident.

Problems Homeowners Have After Filing an Insurance Claim

Problems Homeowners Have After Filing an Insurance Claim

Unfortunately, fires, hurricanes, or other natural disasters can do serious damage to a home. Certainly, most people have homeowners’ insurance in case of property damage. Of course, they will file an insurance claim under their home insurance policy. However, often there are problems homeowners have after filing an insurance claim.

Fire Damage Insurance Claim Is Denied

Fire Damage Insurance Claim Is Denied

Of course, having a fire in your home can be terrifying for the homeowners and their families. The amount of damage to the property insured, personal property lost and the seeing soot, smoke, and burned walls will traumatize the entire family. Certainly, as the property owner, you will file a fire insurance claim with your homeowners’ insurance company. However, what do you do if all or part of your fire damage insurance claim is denied?

Deal with Home Insurance Claim Adjusters

If a storm, fire or other natural disaster damages your home, you first want to make sure everyone in your family is safe. After that, you will survey the damage. If it is more than very minor, you will probably file a homeowners’ insurance claim. Therefore, it will be helpful to know how to deal with a home insurance claims adjuster.You should file an insurance claim as soon as possible to start the claims process. Certainly, the sooner you file a claim, the sooner you can get your insurance settlement.After you file a claim, an adjuster working for the insurance company will come to inspect the damage to your home. Insurance claim adjusters may work directly for the insurance company. Or they may be independent adjusters.However, don’t be fooled. Independent adjusters only work for insurance companies as independent contractors.As such, they are looking to settle your claim quickly and cheaply. Insurance companies are not in the business of simply paying money to insureds. Consequently, company and independent adjusters know that and act accordingly. The insurance adjuster evaluates your property, collects evidence on the extent of the damage and rules on your claim.

Understanding the Insurance Claims Process

Understanding the Insurance Claims Process

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

Estimating Fire Damage and Restoration Costs

Estimating Fire Damage and Restoration Costs

There are few events more traumatic to homeowners than having a fire in their homes. Fire damaged homes can mean flame and heat damage and smoke and soot throughout the house. Additionally, water damage from the efforts to put out the fire appears on the walls, soaked furniture, and water-logged carpeting. Unfortunately, if the damage is extensive, you will have to decide whether to rebuild or replace your home after the fire.

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