When is the Best Time to Hire a Public Adjuster?

It can be daunting and overwhelming to deal with damages to your home, business, or property. Whether it's due to fire, water, or storm damage, filing insurance claims and dealing with adjusters from your insurance company can be a long and tedious process. This is where a public adjuster comes in handy. Public adjusters are licensed professionals who can help you navigate the insurance claims process and advocate for you to receive the best possible settlement. However, you might be wondering when is the best time to hire or consult a public adjuster? In this blog post, we'll discuss the scenarios where you should consider hiring or consulting a public adjuster.

You Want to Maximize Your Settlement

One of the biggest reasons to hire or consult a public adjuster is to ensure that you receive the maximum possible settlement for your claim. Public adjusters have the experience and expertise to assess the damage to your property, document it, and negotiate with the insurance company to get the best possible settlement. If you want to maximize your settlement and ensure that you receive the compensation you deserve, it’s best to consult with a public adjuster as soon as possible.

You Have Large or Complex Claims

If your claim is large or complex, it might be difficult to handle it on your own. For example, if your business suffered damage due to a natural disaster, the claim could be complex with multiple factors to consider, such as loss of income, inventory, and property damage. In such a case, it's beneficial to hire a public adjuster who has experience in handling such claims. Public adjusters are unbiased and work for you, not the insurance company, ensuring your best interests are a priority.

You Are Unfamiliar with Insurance Claims Procedures

Filing an insurance claim can be complicated, especially if you're unfamiliar with the process. Insurance companies have their own policies and procedures that you must follow, and making mistakes can result in delayed compensation or even a denied claim. Public adjusters are knowledgeable about the insurance claim process and can guide you through every stage of the process, from filing the claim to negotiating with the insurance company.

You Have Been Denied by Your Insurance Company

If your insurance claim has been denied, it’s an excellent reason to hire a public adjuster. Public adjusters understand the legal and technical terminologies and know-how insurance companies work to give you the best possible chance of overturning the denial. They can review the policy, documentation, and damages thoroughly to determine why the claim was denied and help you prepare a strong appeal.

You are Too Busy to Handle the Process

Finally, you might want to hire a public adjuster if you don't have the time or energy to handle the insurance claims process. Handling a claim can be time-consuming and stressful, especially if you have other commitments like work, family, or other life situations. Public adjusters can help you take care of the entire process, from start to finish, while you focus on other essential things in your life.

Conclusion

In conclusion, if you want to maximize your claim settlement, have complex claims, are unfamiliar with insurance claims procedures, have been denied by your insurance company, or are too busy to handle the process, it's best to consult or hire a public adjuster. A public adjuster works for you, not the insurance company, and can advocate for your best interest to protect you from being underpaid or denied. At Five Star Claims Adjusting, we provide top-notch public adjusting services in South Florida. Contact us today to schedule a free inspection.