What is a public adjuster?
It can be a stressful time after a fire, flood, or other major damage done to your home or building. The last thing you may want to do is deal with your insurance company, but that’s when a public insurance adjuster can help. But what exactly is a public insurance adjuster?
Different Types of Adjusters
When talking about insurance adjusting, there are three types of insurance adjusters—company, independent, and public.
A company adjuster is hired by your insurance company and works within the company itself. An independent adjuster is a freelancer that is hired by your insurance company to deal with your claim. Lastly, public adjusters are hired by you and work directly for you throughout the entire claim process.
When talking about insurance claim adjusting, there are three types of insurance adjusters—company, independent, and public.
A company adjuster is hired by your insurance company and works within the company itself. An independent adjuster is a freelancer that is hired by your insurance company to deal with your claim. A public adjuster is hired by you and works directly for you throughout the claim process.
What Does A Public Adjuster Do?
A public adjuster's main duties include:
- Determining what your insurance policy does or does not cover
- Inspecting the damages or losses
- Calculating the cost to fix damages or replace items
- Negotiating with insurance companies to get the settlement you deserve.
Because a public adjuster is hired by you, the policyholder, they handle all communication with your insurance company. They will carefully go through your insurance policy and determine what should be covered based on the damage that has been done and will help you file the insurance claim.
At Action Public Adjuster, we help you with claims for fires, floods, wind and storm damage, natural disasters, and mold. We work with homeowners, business owners and investors to restore their buildings and get them back to their everyday lives as quickly as possible.
A public adjuster’s main duties include:
- Determining what your insurance policy does or does not cover
- Inspecting the damages or losses
- Calculating the cost to fix damages or replace items
- Negotiating with insurance companies to get the settlement you deserve.
Because public insurance adjusters are hired by you, the policyholder, they handle all communication with your insurance company. They will carefully go through your insurance policy and determine what should be covered based on the damage your property has sustained and will help you file the insurance claim.
At Action Public Adjusters, we help you with claims for fires, floods, wind and storm damage, natural disasters, and mold. We work with all types of property owners including homes, businesses, commercial investment, and condominiums, to restore their buildings and get them back to their everyday lives as quickly as possible.
When Do I Need To Use A Public Adjuster?
Insurance companies are for-profit businesses and are notorious for putting up a fight when a claim is filed. They may rush through claims, missing potential damages. This leads to underpaid or denied claims. That’s why any individual or business filing a property claim, especially with a lot of damage, should contact a public insurance adjuster.
If you’ve already filed a claim, but feel like your insurance company didn’t offer you the correct settlement amount, you can contact a public adjuster and they will negotiate with the insurance company to get you the amount you deserve.
How Much Does A Public Adjuster Cost?
Public insurance adjusters can charge a flat rate or hourly rate for their service. However, a public adjuster will typically receive a percentage of the payout from the insurance company. This percentage depends on the state in which you live, and on average could be between five and fifteen percent.
If you have just been through a disaster or received an unfair or denied claim from your insurance company, contact Action Public Adjuster today to ensure a prompt and fair settlement.
