Filing an insurance claim can be cumbersome and exhausting, especially after you’ve suffered a devastating loss. You might not be in the right frame of mind or fully equipped to negotiate a fair settlement to help you get back on your feet.
While your insurance company will assign a staff or independent adjuster to access your claims, these professionals work to protect the company’s best interests, not yours. Having a claim expert in your corner can help level the playing field.
A public insurance adjuster is a licensed professional who advocates on behalf of the policyholder to help them negotiate the highest possible compensation on their insurance claim. They primarily specialize in property loss and damage claims, although some adjusters also handle other types of claims.
USA Damage Claims specializes in real estate-related claims that involve storm, water, roof, and cast iron pipe damage.
As licensed public adjusters, we are well-versed in the language and technical aspects of insurance policies. They can take charge of everything from examining and understanding your policy to evaluating property damage, filing or refiling detailed claims, and recovering the amount due under an insurance contract.
We are there to protect you from any difficulties during the claim process, including preventing you from being cheated by your insurer due to your inexperience.
The decision to hire a public insurance adjuster is entirely personal and should be influenced by your particular situation. You may do excellently all by yourself or require extra help to get you what you want.
It would help if you considered enlisting the services of an adjuster to represent your interest when certain conditions are present:
- Documenting, filing, and proving a claim feels too complicated: Public adjusters use sophisticated software, equipment, and processes to evaluate your loss properly, detect hidden damages, inventory your belongings, and complete and submit insurance claim forms.
Undertaking these tasks on your own may prove too daunting and cause you to make mistakes that could negatively impact your claim.
- Your insurance policy is confusing and difficult to understand: Policy documents contain legal terms, jargon, and complex language that you may not fully understand. An adjuster is already familiar with all this and can help break down the wording of your policy and use it to build a strong case for your claim.
- The insurance company is being incredibly slow in processing your claim: Sometimes, due to backlogs, inexperience, or incompetence on the part of agents, the claim process may take longer than necessary. If you feel your claim is being unduly delayed, it’s time to reach out to a public adjuster.
- You suspect that the settlement offer is inconsistent with your coverage: Insurance companies aim to pay the lowest settlement possible on every claim to maximize profits. They can deny your claim outright or hit you with a low-ball offer. A claims expert can help you negotiate a better settlement in such situations.
- You lack the expertise or time to handle the claims process adequately: Just as you might not be able to do your taxes yourself, you probably don’t have experience accessing damages or presenting and negotiating insurance claims. Handing it over to a professional will allow you to focus on other things while they do all the hard work for you.
- There is pressure from the insurance company to settle quickly: It’s frustrating to lose your property or see it damaged, and you probably want to get back on your feet as soon as possible. The insurance company knows this, and they’re willing to exploit it to get you to settle for less than you deserve.
You don’t have to go through the claims process all on your own. With a public insurance adjuster on your side, you can get a lot more value out of your claim without dealing with the stress and complex nature.
If you decide to hire a public insurance adjuster, try to involve them in the process as early as possible to make the most of the situation.
- The process of documenting, filing, and proving a claim feels too complicated
When the damage is extensive or the claim is large, there are many complex issues that policyholders are rarely equipped to deal with.
For starters, you’ll need to prove the extent of damage your property suffered and the losses you might have incurred due to that damage to be appropriately compensated.
That will require filling out forms, making an inventory of everything that’s been lost or damaged, creating reports and other documents, and determining the current market prices for the items you need to replace.
These tasks are time-consuming and require some technical knowledge to be done accurately. Public adjusters like USA Damage Claims are experts in this field and know the most efficient methods to accomplish each goal.
They have the resources, skill, and understanding needed to manage the entire claims process to minimize complications and produce the best possible outcome for you.
They use the same systems as your insurance company to estimate the value of losses incurred from property damage. The only difference is that they’ll provide a fairer assessment because they’re on your side,
No insurance company is willing to pay you more than the amount you claim, so if you fail to document your loss correctly, you’ll have to bear additional costs.
For instance, if a portion of your house is destroyed due to water damage from broken pipes, you might calculate how much it takes to buy new pipes and replace the affected walls. You might forget to include the cost of tearing down the old walls and removing the compromised pipes.
Also, there might be hidden structural damages or resulting losses that you may neglect to account for when preparing your claim due to the complex nature of the process, meaning that you won’t be reimbursed for them.
A public insurance adjuster’s job is to uncover and factor in costs that the policyholder, you, may not be aware of or leave out in error.
If you’re not sure you can navigate the murky waters of insurance claims on your own, bring in a public adjuster to steer the ship.
- Your insurance policy is confusing and difficult to understand
Don’t beat yourself up if you can’t wrap your head around your policy document because it’s not written for the average policyholder to comprehend.
You can always seek clarification from your insurance agent. However, if you’re still confused about the implications of your policy or the extent of your coverage after their explanation, a public adjuster is your next best bet.
Public adjusters are already familiar with the language of insurance policies, so they know what to look for and when something is just not right.
They can figure out where the problem is by reviewing your policy, and they’ll explain the best available options to you in a way that makes sense.
USA Damage Claims will review your policy to determine whether you have a case or not without charging you a penny.
- The insurance company is being incredibly slow in processing your claim
It can take a while for your claim to be settled, especially in situations where a major catastrophe has occurred, because many people are filing claims around the same time.
To resolve this problem, many companies tend to hire adjusters from other states who may not be familiar with the laws or construction regulations in the affected area, which complicates the claim process even further.
Regardless of how overextended they are, you’re entitled to a speedy response on your claim. If you feel that your insurer is giving you the run-around, not responding on time, or not giving your claim the attention and care it deserves, it would be prudent to enlist the help of a public adjuster.
Your adjuster will handle all direct communication with the insurance carrier on your behalf and ensure time isn’t being wasted. You’ll be kept in the loop and have full authority over decision-making.
Remember that the public insurance adjuster is there to work for you and do your bidding while offering guidance and expertise to ensure your claim is handled correctly.
- You suspect that the settlement offer is inconsistent with your coverage
Research shows that policyholders usually receive a higher settlement when involving a public adjuster in the claims process because they understand insurance policies inside and out and can negotiate for more satisfying offers.
The insurance company will always try to downplay your extent and how much it’ll cost to fix the damages incurred so they can pay less than the actual value or nothing at all.
To ensure your loss is accurately evaluated, maximize your coverage, and significantly reduce out-of-pocket expenses, you need the help of a public adjuster. They will do everything to make sure your insurer doesn’t take advantage of you.
- You lack the expertise or time to handle the claims process adequately
It’s easy to misinterpret your insurance policy because you don’t have the experience to tackle the claims process and achieve the best results.
It can be hard to know whether you’re getting less than you deserve under your policy because you’re not familiar with the specific practical details.
There may be more than your coverage entitles you to, of which you may be unaware. With an experienced public adjuster on your team, you can find more leverage to negotiate a settlement that is most beneficial to you.
Public adjusters not only have industry expertise, they understand the law of the state they practice in and the rights you have under them. They can use this to your advantage to get the insurance company to play ball.
It would help if you didn’t have to forsake your responsibilities because you’re dealing with an insurance claim. Losing your property or having it get damaged is already a frustrating experience. It doesn’t have to affect the rest of your life.
Hiring a public adjuster takes the stress out of your hands, so you can commit your time and effort to other areas like taking care of your family or keeping your business afloat.
They will take over the claims process and relieve your burden by:
- Reviewing your policy to develop the right strategy for filing your claim.
- Documenting and proving every damage and loss you’ve incurred.
- Negotiating with the insurance carrier on your behalf.
- Keeping you informed of every development
- Maximizing the settlement offer you’re entitled to.
You can sit back, relax and wait for your claim to be paid out without going to too much trouble to get it.
- There is pressure from the insurance company to settle quickly
It might seem like your insurance company is just practicing excellent customer service by trying to get your claim settled as fast as possible. However, they may just be trying to capitalize on your misfortune and emotional vulnerability to pay you a lesser settlement.
As much as you want to get it over with, you shouldn’t put yourself at a disadvantage by accepting an offer below what you’re owed under your policy.
Take your time to understand what’s at stake and how best to protect yourself. Hiring a public insurance adjuster will take the emotions and personal frustrations out of the process and reduce the likelihood of making a costly mistake. They care about helping you get the most out of your claim.
Your insurance company might even try to convince you not to hire a public adjuster. It is probably in your best interests to contact one right away in such a case.