When Should I Hire A Public Adjuster
Time is of the essence when it comes to filing an insurance claim. The sooner you hire ALL RISK Public Adjusters, the sooner we can help you recover from your loss and settle your claim. But do you really need a public adjuster? Consider hiring a public insurance adjuster if…
1) You don’t have the spare time to file your claim, prompt the insurance carrier for status updates and negotiate a settlement.
Filing an insurance claim adds stress to an already stressful situation. It can be a time consuming and difficult process as you attempt to prove your loss and justify your claim. ALL RISK Public Adjusters helps manage your claim from start to finish, minimizing your need to interact with the insurance company while getting you the settlement you deserve.
2) You don’t understand your insurance policy.
Insurance policies are confusing. If you aren’t 100% sure of your coverage, ask your insurance carrier for clarification or seek help from a public adjuster. We’ll make sure you understand your policy and its implications on your settlement.
3) You aren’t familiar with the insurance claims process.
The insurance claims process can be daunting, and the smallest error can impact your settlement. Our experienced adjusters lead you through the claims process and keep you apprised of all progress.
4) You have suffered extensive damage.
The more severe your property damage, the more complicated the claims process becomes. It is easy to miss claims and place expenses in the wrong claims categories. A licensed public adjuster from ALL RISK Public Adjusters will help you identify hidden structural damage, properly value your loss, and account for all of your possessions and valuables to help maximize your settlement.
5) Your insurance carrier is offering a quick payoff.
There is a natural desire to quickly settle your claim and get on with life, but insurance companies don’t always have your best interest in mind when they offer a quick payoff. Do not sign anything unless you fully understand the impact of your claim and settlement. Our public adjusters will ensure that the claims process continues to proceed until we negotiate the settlement that you deserve.
6) Your claim is delayed.
Insurance companies are required to process claims within a specified time period. However, that doesn’t prevent delays – especially when a major disaster occurs. We help make sure your insurance claim gets paid in a reasonable time period.
7) You don’t think the settlement offer reflects your coverage.
It is not unusual for an insurance company to assign a lower value to damaged property than the policyholder. You may find that the insurance carrier refuses to cover some of the damage or the offer does not come near what the item is worth, therefore making it impossible to replace. At ALL RISK Public Adjusters we use the same estimating software many insurance carriers use, which allows us to thoroughly justify the value of your claim.
8) Your insurance company is discouraging you from hiring a public insurance adjuster.
It is within your legal right under your insurance policy to hire a public adjuster. Also, filing a legitimate claim does not mean your insurance carrier will increase your premiums. If the insurance company tries to discourage you from filing a claim or hiring an adjuster, consider it a warning sign. We will protect your rights as the policyholder.
