If you've suffered the loss of your home due to the recent hurricanes, and you're having a hard time getting the insurance company to cover the damages, you need to hire a public adjuster. Most insurance companies will try to warn you away from public adjusters by saying that you can get the same care without paying for an adjuster. However, that's not always true. In fact, most insurance companies will try to reduce the value of your claim so that they can settle for less. If you're getting nowhere trying to negotiate with your insurance company, here are four important reasons why you need to hire a public adjuster:
Public Adjusters Don't Work for Insurance Companies
When you filed your claim, the insurance company probably told you that an independent adjuster would come out to assess the damage. What they didn't tell you is that the independent adjuster is actually being paid by them to put a value on your home damage. That means they'll be more concerned with protecting the insurance company than assessing a fair value to your loss. When you hire a public adjuster, they'll be working for you, not the insurance company, which means they'll be concerned with making sure your loss is assessed fairly, and properly.
Public Adjusters Work on a Contingency Basis
If you're worried about the cost of hiring a public adjuster, don't be. Public adjusters work on a contingency basis, meaning they won't get paid for their services until you receive a settlement for your losses. That means you'll have someone in your corner, and you won't need to worry about the cost.
Public Adjusters Will Go To Arbitration For You
When you're trying to negotiate with the insurance company, and you're doing it alone, you may feel that you have no choice but to accept their offer. However, that's not true. If you don't agree with the settlement that's being offered, you have the right to request arbitration. If you've hired a public adjuster, they'll go to the arbitration meetings on your behalf.
Public Adjusters Help You Get The Most For Your Claim
When insurance companies offer settlements for damages caused by natural disasters, they often offer far less than what the policy allows for. That means you won't be getting the full value of your loss. Unfortunately, if you're trying to negotiate on your own, you might not realize that. However, when you hire a public adjuster, they'll research your policy, identify all your coverage limits, and work to ensure you receive what you're entitled to under the policy provisions.
Contact a company like Skipton Claims Management for more information and assistance.