Your Hidden Insurance Hero, the Public Adjuster
Everyone knows 2020 has been one heck of a year. From pandemics to hurricanes to wildfires, loss and devastation are everywhere you look. While insurance can help cover the loss from natural disasters, it can bring more stress. If you are sifting through the destruction left behind, the last thing you want to do is deal with an insurance claim.
However, to restore your life to some sort of semblance of what it was before, you have to file a claim with your insurance company. And if you find the process is too much to deal with, a public adjuster is the ally you need as they advocate for the policy holder.
What a Public Adjuster Is and Isn’t
The first thing to understand is the difference between a public adjuster and the claims adjuster the insurance company assigns. In a nutshell, insurance company adjusters represent the insurer’s interests and the public adjuster works for you and you alone. And that means getting you all the money you are entitled to for your loss.
These claim experts deal with the insurance carrier on your behalf in exchange for a fee, usually a percentage of what the insurance company pays out. Public Adjusters are called in to work on large, complicated claims including residential and commercial properties. Like a hurricane claim for example, which is extremely challenging because it often means filing claims on different policies. You may have to file one claim to your windstorm policy if a roof was torn off by high gusts, and if there was extreme flooding you may have to file a flood claim on a different policy. Public Adjusters assume the burden of proof from the policy holder to assist in the claim and to maximize the recovery.
Why Should I Hire a Public Adjuster?
Most people don’t realize how much time and energy it takes to file a large claim. Hiring a public adjuster helps tip the scales in your favor, as these claim experts have a keen understanding of the language insurance policies are written in and fight for a fair settlement.
Public adjusters also know how to answer the insurance company’s claim questions properly and the information needed to ensure your loss is handled timely so you can begin rebuilding your life.
Lastly, a public adjuster takes the emotion of the claim. You have already suffered through a traumatic loss, gathering information, and answering insurance carrier questions just add to your stress. A public adjuster alleviates this for you, as you only have to work with them to get your claim handled.
As public adjusters, we are here to be your advocate when it comes to dealing with the insurance carriers. Berkeley International Public Insurance Adjusters are here to tell your side of the story. We are licensed by the Department of Insurance to help recover the cost of damages from a covered loss from fire, wind, flood, hail, theft or any covered peril that falls within the for corners of your insurance policy.
Our services include:
• Client Relation
• Claims Management
• Policy Review
• Property Damage Evaluation
• Business Interruption
• Contents Inventory
• Quantify Amount of Claim
• Expedite Claim Payment and Maximize Recovery
If you are a victim of the recent catastrophes in Texas, Louisiana, or Florida and need assistance with your, please contact us today.