Why does a property owner need a public adjuster?
A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. At Damage Services, we know how to navigate your claims in the most effective manner. We understand the claims-handling process and can help you find your way through all of the insurance companiesâ âred tapeâ.
When you face damages to your home or business and need to file an insurance claim, donât get turned off by your insurance provider or public adjusters who work on their part. Our qualified public adjusters are here to assist and direct you throughout the insurance claim process. We make sure that your claim is properly assessed and documented to obtain the maximum claim settlement you rightfully deserve.
Homeowners, condominium complexes and businesses that experience property damage or loss, can find themselves in a very stressful situation as a major property insurance loss can have a paralyzing effect on the normal operation of your business or personal life at home. At the time of your loss, even the most efficient business or family can be overwhelmed with the requirements and burdens placed on them.Â
Commercial property owners, and homeowners do not typically possess the knowledge or experience to prepare for a complex claim and in most cases they do not have the time. That’s where a public insurance claims adjuster can help. 800.292.5777
Some of the biggest benefits of hiring a public adjuster are:
Time Savings:
Many homeowners and business people have more important priorities than to deal with the incessant demands for information and documents from the insurance company. A public adjuster will organize and manage your claim and help minimize the time you need to spend dealing with all the claim issues.
Claims Expertise:
Insurance policies can be complex documents and can easily be misinterpreted. Having someone on your side that is familiar with both the language of the insurance policy and how those policies are enforced can mean a great deal to how your claim gets settled. It also helps to have an expert guiding you regarding the proper procedures for repairs and documenting expenses in case a claims denial occurs. We have access to a group of experts that can be called on if they are needed to substantiate any part of your claim.
Faster Resolution of Your Claim:
Understanding how to organize your claim, process the paperwork that is needed, as well as the proper language to use when communicating with your insurance carrier can help avoid repeated requests for additional information, expedite the claims process and get your repairs underway faster.
Protect Your Rights as a Policyholder:
Having an expert public adjuster who understands the insurance companyâs expectations, when documenting and valuing your claim gives you an advantage if your claim is denied. It also gives you a third party resource who can act as a witness in case more aggressive action is required to obtain a just recovery.
Ensure Fair Value for Your Claim:
A recent OPAGGA (Office of Program and Policy Analysis & Government Accountability) study in the State of Florida showed that public adjusters negotiate up to a 747% larger insurance company settlement for commercial business and homeowner insurance property loss claims than the insurance company was planning to pay out. This is especially true during a catastrophic situation when insurance carriers try to process large amounts of claims.
