Written by Andy Gurczak

October 15, 2021

Public adjuster vs Attorney: How Do You Decide?

Public adjuster vs Attorney: Do You Need a Public Adjuster-Or a Lawyer?

A hurricane has damaged your home or business. You file an insurance claim with your insurer. The insurance company sent an adjuster to inspect your property. Indeed, he was very courteous and professional.

However, the insurance company has offered to settle your claim at an amount you feel is too low. Or the company denies your claim. Therefore, do you need a public adjuster to help you out?

Or do you need to hire a lawyer? Public adjuster vs attorney? How to decide?

Public Adjuster VS Attorney Deciding

Public Adjuster vs Attorney: What is a Public Adjuster?

The claims adjuster the insurance company will send to inspect your property damage may be a staff adjuster for the insurance company. Alternatively, the company sent an “independent” adjuster. That person, although not an employee, also works for the insurance company during the claims process.

Therefore, both those adjusters are looking to save money for the insurance company. The insurance company is not necessarily acting in bad faith. However, they are looking to pay as little as possible to settle your claim.

Conversely, a public adjuster works for the insured property owner. The insured pays the public adjuster for his services. A public adjuster is state-licensed or has a non-resident license.

The job of a public adjuster is to review your policy for covered events and policy limits. Then he inspects your damaged property and prepares a report showing the repair or replacement costs. He will help you file a claim.

Next, he will negotiate with the insurance company on your behalf. Furthermore, he will try to get you a better settlement than the insurance company may be offering.

On the other hand, if the insurance company is making a good offer, he will tell you that.

Public Adjuster VS Attorney Public Adjusters

Public Adjuster vs Attorney: When Do You Need a Public Insurance Adjuster?

If your property has been significantly damaged, you may need a public adjuster. As stated above, any adjuster sent by the insurance company works for the company. On the other hand, the public adjuster you hire looks out for your best interest. Therefore, he will prepare a report and forward it to the insurance company.
In addition, he may meet with the insurance company’s adjuster to see if they can come to a mutual understanding of the repair or replacement costs. He will then negotiate a fair settlement of your claim with the carrier.
On the other hand, the insurance company’s adjuster may have already assessed the damage to your property. Therefore, you may have received a settlement offer from the company. However, you think the offer is too low.
Consequently, you have hired a public adjuster. The public adjuster will inspect your damaged property and prepare his report discussing the damages. Then he will make estimates of the costs to repair or replace the damaged property.
Next, he will forward his report to the insurance company. Then he will negotiate on your behalf with the insurance company.
Finally, the public adjuster and the insurance company will hopefully agree on a settlement amount that is acceptable to you.

Public Adjuster vs Attorney: When Do You Need an Attorney?

In the scenario above, a public adjuster is probably the first person to call for professional help. The public adjuster is cheaper than an attorney. In fact, an attorney will take your case for a 30-40% contingency fee, whereas a public adjuster charges 10% of the settlement. Moreover, the public adjuster will negotiate with the insurance company on your behalf.

Additionally, law firms will have to hire a public adjuster or contractor anyway to prepare a report with estimates of repair costs. You have already done that if you hire a public adjuster first.

You may need a lawyer if the insurance company will not increase its settlement offer. In that case, the attorney may have to sue the insurance company. Most likely, the public adjuster you initially hired will act as your expert witness in the case.

You may also want to hire an attorney if the event involved the spilling or leaking of toxic substances. This could lead to a government investigation of violations of environmental rules and regulations. The attorney could direct your investigation of the leak. Therefore, attorney-client privilege would protect the investigation.

Public Adjuster VS Attorney Attorneys

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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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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