What Is a Public Adjuster and What Value Do They Offer in Handling My Homeowner Insurance Claim?

Did you know that the housing market has grown by more than $2.5 trillion in the last couple of years? The housing market is growing to incredible heights, and it makes having comprehensive homeowner insurance a must. But when it comes time to make a claim, should you find a public adjuster?

If you’re looking for a local claims adjuster, we’re here to help. Read on for some vital public adjuster tips.

What Is a Public Adjuster?

To simplify, a public adjuster will evaluate your insurance claims and work to calculate a payout. To calculate the payout for the policyholder, a public adjuster will look at the severity of loss, the extent of damage, and the policy itself.

The primary difference is that a public adjuster does not work directly for the insurance policy, while insurance adjusters do. Typically, insurance adjusters will attempt to minimize the payout if possible to save money for the insurance company they work for.

Public adjusters do not work for the insurance company and have no incentive to minimize the company’s loss. Instead, they work for their own fee as independent professionals. As a representative for the policyholder, they fight for a higher payout.

How to Find a Public Adjuster

Finding a public claims adjuster isn’t difficult. Consider looking into the sort of damage you’re filing a claim for, such as fire damage or water damage.

From there, you can begin looking for adjusters by using certain keywords in a search engine. Searching for a water damage claims adjuster can help find a public adjuster that knows how to save you as much money as possible.

You can also go through local firms or networking. There are plenty of ways to find a public adjuster, and once you’ve found one, it’s best to focus on customer reviews to make sure you’ve found the one you can trust.

Benefits of a Public Adjuster

Public adjusters do more than simply work to increase your claim payout. One of the greatest benefits is that a public adjuster can make your claim significantly less stressful.

A public adjuster will be an expert in your insurance claim and can handle the vast majority of the process. Depending on your adjuster, this may include meeting with insurance representatives and dealing with the proper paperwork.

Insurance claims are often stressful, especially when the claim is in regard to the destruction of your home. A public adjuster takes the stress from your shoulders, increases your payout, and works in your interest. All of these benefits combine to a simpler, better claim for you.

Making Your Claim

Though a public adjuster won’t be free, the benefits far outweigh the cost of hiring one. If you’re looking to remove some stress and increase your payout, a public adjuster is an invaluable person to have on your side.

If you have more questions about the homeowning experience, feel free to contact us. You can also browse our extensive blog for more information.