Outside of when we need it, most of us would probably like to pretend that insurance doesn’t exist. The world of insurance can be murky and confusing to the average person. Further, it’s entirely normal to have no idea what goes into the process of keeping you safe and protected.
In the event that a disaster causes damage to your property, though, you’re going to contact your insurance company. This is where the string of phone calls, the struggles to understand policies, and the concern that you may be shorted by your insurance company come into play; and this is also why many people hire public insurance adjusters to guide them through the claims process.
As you begin to better understand the filing and claims process, it quickly becomes clear that having a public insurance adjuster by your side throughout the process is a tremendous asset. Not only will you get expert advice about your situation, but you’ll be working with somebody who’s interested in helping you and your interests– not just your insurance company’s interests.
What Is a Public Insurance Adjuster?
There are actually three different types of insurance adjusters. Insurance companies have their own adjusters (typically referred to as staff or company adjusters) who work in-house for their company. Companies also sometimes hire independent insurance adjusters. These adjusters work on a case-by-case basis and are not general members of staff at an insurance company.
A public insurance adjuster is an adjuster retained by policyholders in order to provide assessments and assistance with damage and claims. They work independently of insurance companies for the benefit of the client. Contrarily, staff and private adjusters are typically more concerned with a company’s agenda.
So What Do Adjusters Actually Do?
Your public insurance adjuster’s job is to assess your property and any damage that occurred to it. Based on their findings, they’ll work with you and your insurance company to determine what the company should pay out to you to help cover the damage.
These adjusters have inside knowledge of insurance policies and the claims process that the average person will never match. Remember that acknowledgment of how much we all shy away from dealing with insurance? That translates to a lack of knowledge– and that’s what public adjusters are around for.
Usually, a public adjuster will leverage past experience (many begin in construction) and advanced software to perform independent evaluations of your property and any damage that occurred. Their findings may be entirely different from those of your insurance company; they also have insight into the best ways to store, log, and submit data and claims for optimal results.
When to Hire a Public Insurance Adjuster
If you’re filing a property insurance claim for any reason, you’ll be well-served by hiring a public insurance adjuster. In many cases, you’ll be able to get additional financial support for damages if you work with a public insurance adjuster.
Policyholders are in a tight spot when damage is done to their property. Realistically, having another insurance professional in your corner ready to fight for what’s fair to you can be tremendously beneficial.
Your insurance company’s staff adjusters’ primary obligation is to their employer. Even if they’re an independent adjuster, they’re getting paid for that job by a company. Hiring on a public adjuster can offer peace of mind as you work with them.
Learn More About Public Insurance Adjuster
If you’re interested in learning more about how a public insurance adjuster can help you through the claims process, contact RIA today. Our knowledgeable staff will be happy to speak with you about your concerns to begin creating a successful claims process.