Home and business owners dread a large loss. After all, no one wants their hard-earned investments to perish in a matter of minutes. Natural disasters, however, can happen to anyone. Major events like Hurricane Milton leave widespread wreckage, amounting to billions of dollars in direct property damage.
Call ServiceMaster by Disaster Relief at (813) 295-7797 or message us online today to request pricing.
After a disaster strikes, the first step most people take is to call their insurance provider. In the face of major losses, everyone wants to ensure they receive a fair settlement to cover the cost of repairs. But how do you know you’re getting a thorough damage assessment and the correct claim payout? This is where hiring a public adjuster can make a significant difference.
What is a Public Adjuster?
A public adjuster is an independent professional who advocates for the policyholder. They specialize in navigating the complex insurance claims process and ensuring that policyholders receive the correct settlement for their losses.
Unlike insurance adjusters who represent the insurance company, public adjusters work solely for you, the policyholder. They charge a contingency fee, which is a percentage of the claim amount. Confirming that your insurance company is willing to collaborate with a public adjuster before hiring one is essential.
Responsibilities of a Public Adjuster
The insurance claim process can be overwhelming for an ordinary individual. When you hire a public adjuster, they can handle the following responsibilities on your behalf:
- Damage Assessment: Perform a thorough evaluation of the damage and prepare a comprehensive proposal for necessary repairs.
- Documentation: Collect and file all essential documents needed to support your claim.
- Communication: Act as an intermediary between you, your insurance carrier, and any involved lawyers or witnesses.
- Negotiation: Advocate for the full settlement amount you’re entitled to under your policy.
- Claims Process Assistance: Guide you through each step of the claims process to reduce stress and confusion.
When Should You Hire a Public Adjuster?
Consider hiring a public adjuster in the following situations:
- You are unfamiliar with the complexities of the insurance claim process.
- You’re filing a claim for significant property damage.
- You’re dissatisfied with the insurance company’s damage assessment or settlement offer.
- You want a second opinion to ensure fairness.
- You lack the time or expertise to manage the claims process independently.
Hiring a public adjuster may be optional for small claims or if you have prior experience filing insurance claims. However, their expertise can help you secure a larger settlement than you might achieve for significant property damage.
How to Choose a Reputable Public Adjuster
Finding a trustworthy public adjuster is crucial. Here are some tips:
- Seek Recommendations: Ask family, friends, or colleagues for referrals.
- Check Professional Associations: Verify membership with organizations like the Florida Association of Public Insurance Adjusters (FAPIA) or the National Association of Public Insurance Adjusters (NAPIA).
- Perform Background Checks: Ensure the adjuster has good standing and a clean record.
- Beware of Scams: Fraudulent adjusters often emerge after significant disasters. Always verify credentials and licenses.
- Compare Estimates: Shop around and get multiple quotes to find an adjuster who meets your needs and budget.
Next Steps After Hiring a Public Adjuster
Once you’ve hired a public adjuster and received a detailed repair proposal for your Pinellas County home or business, the next step is to work with a trusted restoration company. Restoration professionals can execute the repairs outlined in the proposal and bring your property back to its original condition.
ServiceMaster by Disaster Relief offers a comprehensive range of restoration and cleanup services tailored to residential, commercial, and insurance clients.
Don't Know What to Do Next? We Do.
When disaster strikes, you need a reliable partner to help restore your property. ServiceMaster by Disaster Relief is available 24/7 to assist with:
Our team is committed to providing fast, efficient, high-quality services to help you recover from any disaster.
Contact us today at (813) 295-7797 or schedule an appointment online for a FREE estimate.