Every year, the spring and summer months bring significant chances for threatening and dangerous weather. High winds, hail, tornadoes, and rainfall can cause damage to your property. Hopefully, you have insurance to help you meet the costs of repair but in some cases, you might need additional help to deal with the aftermath, including dealing with your insurance company. A public adjuster may be the answer.

What is a public adjuster and how can she help? A public adjuster is a highly trained person who will represent you and advocate on your behalf when settling and insurance claim.

Public adjusters can help in the following ways:
• Unlike insurance representatives who work for insurance companies, the public adjuster works specifically with and for you.
• Public adjusters are licensed by the state and must pass a certification test before they are licensed.
• They understand the complicated terms of insurance policies and will guide you through the claims process based on the terms of the policy you hold.
• They are not in the business of selling insurance and will not try to sell you on a different or more expensive plan.
• They are trained to inspect the damages to your property and will provide an accurate estimate for you and the insurance company.
• They will monitor your claims process and make sure the insurance company pays every penny you are owed under your policy.
• They understand how the insurance industry works, especially when it comes to property damage and know how to speak the insurance companies’ language.
• They are paid on a contingency under a contract they sign with you, not the insurance company. This means that they don’t get paid unless you do.

Suffering a major property loss through fire, flood, or dangerous weather takes a huge emotional toll. Public adjusters know their clients are in a vulnerable position and it can be difficult to understand the complexities of insurance policies especially under those circumstances. When such a loss occurs, you want someone on your side to help you navigate the claims process and rebuild your life. Public adjusters are trained to be that advocate.

  1. Can you assist the contractor with talking to the adjuster when additional work is needed. And getting your payout in a timely manner.

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