Level The Playing Field With Your Own Adjuster

An adjuster who works for you, for a change.

Insurance claims can be complicated, and it can be hard for policyholders to deal with insurance companies' claims adjusters. These adjusters work for the insurance company and have a duty to protect their interests. As a policyholder, you may struggle to understand the policy language, assess damages, and negotiate a fair settlement. This is when a public adjuster can level the playing field.

The Role of a Public Adjuster

A public adjuster is a licensed professional who works on behalf of the policyholder, not the insurance company. Their primary goal is to ensure you receive the maximum amount of compensation for your claim. Here are some key benefits of hiring a public adjuster:

• Expertise and Experience

  Public adjusters have in-depth knowledge of insurance policies and the claims process. They can navigate the complex language and clauses within your policy, ensuring you understand your coverage and entitlements.

• Accurate Damage Assessment

  Public adjusters assess the full extent of the damages to your property. They collaborate with professionals such as contractors, engineers, and other experts to provide a comprehensive evaluation, ensuring no damage goes unnoticed or undervalued.

• Negotiation and Settlement

  Public adjusters are skilled negotiators who advocate for your best interests during the claims process. They handle all communication with the insurance company's adjuster, ensuring you receive a fair settlement that covers your losses adequately.

• Time and Stress Savings

  Dealing with a claims process can be time-consuming and stressful. Hiring a public adjuster allows you to focus on getting your life back on track while they handle the intricate details of your claim.

The Role of an Independent Insurance Broker

Now, let's talk about the role of an independent insurance broker in a claims dispute. While a public adjuster is focused on representing your interests during the claims process, an independent insurance broker can play a vital role even before a claim arises. Here's how they can help:

• Policy Evaluation and Guidance

  Independent insurance brokers review your current insurance policies to ensure they adequately cover your needs. They can help you understand the intricacies of your coverage, so you're better prepared in the event of a claim.

• Claims Assistance

  In the unfortunate event of a claim, an independent insurance broker can guide you through the process, answering your questions, and offering support. They can work alongside your public adjuster to provide any necessary documentation or information required by the insurance company.

• Ongoing Relationship

  An independent insurance broker is your trusted advisor throughout your insurance journey. They can assist with policy updates, coverage adjustments, and provide valuable insights to help you make informed decisions about your insurance needs.

If you need help with an insurance claim (even if it’s from another agency), give us a call at 919-443-3300. You can also book a call here.