Everyone hopes that you never have to use your home insurance, but sometimes it is unavoidable. Disaster can strike at any time and result in substantial home damage. Responsible homeowners should be completely prepared if something does happen, though. This is why homeowner's insurance exists.
No matter what kind of coverage you have, you are going to have to file a
claim. An adjuster will come and assess the damage and decide on the
cost of the damage and the value of the property. There are three
different kinds of adjusters; company, independent, and public. They
each represent a different party in the claim. Here are a few reasons
why any claimant should consider employing a public adjuster.
Public adjusters work for the homeowner. Company adjusters work directly for the
insurance provider. This means they are going to have the best interests
of the insurer in mind when it comes to the financial aspect of the
claim. A public adjuster is hired by the individual. Therefore, they
will have the homeowner's financial interests in mind. A public adjuster
can help if you think the offer from the insurance company isn't
Your agent isn't really on your side. Many homeowners are under the
false impression that an independent insurance agent represents their
best interests in a claim. This isn't true. Even though they are a third
party agency, they still work for the insurance company. This is where
their paycheck comes from. The only way to know you can truly trust
someone is by hiring them yourself.
Public adjusters understand the business. The insurance industry is rife with red
tape and small print. Unless you are an industry professional, you
probably won't be able to fully understand what rights you have in a
claim. This is why an adjuster is a huge asset. They are industry
experts. They know any tricks your insurer may have up their sleeves. A
public adjuster is the only way to have true expertise working for you.
These three reasons should be enough to convince anyone considering
hiring a public insurance adjuster. Public adjusters can reopen a
previous claim if you feel you were shorted. There are a lot of great
adjusters similar to United States Adjusters you can employ. A reputable
professional will not ask for money until after the claim has been
solved. Trustworthy adjusters take a percentage of the money received
after paying the deductible.
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