What is a public adjuster?
Public Insurance Adjusters are independent, licensed professionals who work for the individual and business policy holders-not the insurance companies- to ensure that they reclaim the full value afforded to you by your current policy. At FirstCall we help to further evaluate the property loss on behalf of our clients, we set the tone, expectations, and pace of the claim with the insurance company and keep our clients informed of the process all along the way. As your public adjusters, it is not only our goal to save you money, but also the time, effort, and frustration of handling the overall claim and dealing with the insurance company – a process that most people are not all that experienced at.
Do I need a public adjuster?
The vast majority of claims do not go well for the insured without proper representation. In order to ensure the best possible settlement is attainted, a public adjuster is almost always necessary.
When should I call a public adjuster?
As soon as possible! The closer to the time of loss that a public adjuster can get started on your loss, the better their position is to control the claims process with the insurance company.
How do I put together a personal property list?
This is one of the most challenging parts of the claims process. It is your responsibility to neatly catalogue every single item in your house including when you bought it, how much you paid for it, how much it is worth today, and how much it would cost to replace it! Most property owners can’t get anywhere close to the money they deserve on their own, because they have never done this before. A good public adjuster will help you with all of this, and they will ensure you maximize this part of your claim
Should I use the vendors and contractors that my insurance company is recommending?
The vendors that are recommended by your insurance company to clean your contents, perform mitigation services, and repair or rebuild your property all have great relationships with your provider. Those vendors do not remain friends with the insurance company for long if they are causing them to pay more than they want to. We strongly recommend hiring professionals on your own.
Can’t I just negotiate with my insurance adjuster on my own?
You are certainly welcome to, but we strongly advise against it. If you have never done this before, is it really something you want to try for the first time when hundreds of thousands of dollars of money you are owed is at stake? It takes years to master adjusting claims, and we have been doing it longer than anybody in the state
What does replacement cost mean?
Replacement cost is the cost to replace an item today.