What Are the Top 5 Reasons to Hire a Public Adjuster?

In the immediate aftermath of damage to your business or home, your thoughts will doubtless turn to, ‘Who will help me get through this?’ It is naive and potentially expensive to think that your insurance carrier has your back and, upon receipt of your claim, will cut a check for the full amount requested and consider your case closed. That’s just not reality. When you call your insurer and let them know you need to file a claim, they’ll send out one of their insurance adjusters. Who does this individual work for? That’s right: the insurance company, NOT for you! Who is on your team? Public adjusters are! As a leading licensed public adjuster firm, United Public Adjusters & Appraisers offers these tips so, in the event, you have to file an insurance claim, you’ll know exactly why you should have our number in your cell phone contacts! 

• We’ll Assist You to Understand Your Policy

Insurance policies are legal documents that are written in insurance language using terms that most policyholders do not understand. Public adjusters have the experience and expertise to interpret the language of your policy for you and assist you to understand what options you have. Next, we can assist you to document and submit a claim to your insurer. 

1. Know Your Rights
   Neither your insurance carrier nor their insurance adjuster will be appraising you of your rights as a policyholder. Public adjusters, on the other hand, have no association with your carrier. Our sole contact with your insurance company is on your behalf and only relative to your claim. It is really important to understand that your insurer will pay your claim. However, the amount of the settlement they offer will be predicated on their need to protect their profits. Therefore, their adjuster will likely minimize the potential cost to repair/renovate/replace your damage/losses so the company can retain its profit margin, not so you can quickly make repairs, etc. and get on with your life.
2. The Value of Your Time
   Your public adjuster understands that, as the policyholder, you do not have the time to continually contact your insurer for claim updates. That’s where United Public Adjusters & Appraisers will advocate and negotiate on your behalf. This means sending emails, making phone calls, and supplying your insurer with all the required documentation relative to your claim. A recent study found that claims prepared and submitted by public adjusters bring about settlements up to 750% higher than those submitted by the policyholders themselves. Also, should a claim be denied, we can ‘go to plan B’ and take a more aggressive approach in negotiations. We have the experience and expertise to know what your damages are worth, as well as every item that needs to be included in your claim to bring about the highest settlement your policy allows. 

Additionally, insurance carriers are known for extending the timeline on claim settlement processes. Here again, as your advocate, United Public Adjusters & Appraisers stays on the case relentlessly to facilitate the processing and ultimately, an optimal claim outcome. 

1. Experience and Expertise:
   United Public Adjusters & Appraisers’ team includes experts in the building trades, real estate, regulations, and local laws regarding insurance. We use our combined acumen to support your claim submission to ensure you receive a fair and just payout in as short a timeframe as possible. 
2. Who Pays Your Public Adjuster?
   United Public Adjusters & Appraisers work for our clients. We are paid from their settlement. This means there are no upfront costs, and our services are entirely contingent on our clients’ receiving their payout. Should for any reason a claim settlement is denied, no money is owed. We conduct our business with the highest ethics and business practices. 

When professionalism and integrity matter, make the call at 800-718-5677 and have United Public Adjusters & Appraisers go to work for you!