Home insurance is an essential aspect of homeownership, as it offers protection and peace of mind to homeowners in the event of unforeseen damage to their property. However, homeowners may be surprised to find out that their insurance company may not pay out as much as they deserve for their claims. This is where a public adjuster comes in – a professional who can help homeowners get the most money from their insurance claim.
Home insurance policies are typically designed to cover damages caused by natural disasters, theft, fire, and other perils. In the event of a claim, the insurance company will send out an adjuster to assess the damage and determine the value of the claim. However, the adjuster sent by the insurance company works for the insurance company, and their primary goal is to minimize the amount the company has to pay out.
This means that the insurance company adjuster may undervalue the damage caused to a property, resulting in a lower payout to the homeowner. In some cases, the insurance company may even deny the claim altogether, leaving the homeowner to pay for repairs out of their own pocket.
This is where a public adjuster can help. A public adjuster is a licensed professional who works on behalf of the homeowner, not the insurance company. Their job is to assess the damage to the property, review the insurance policy, and negotiate with the insurance company on behalf of the homeowner to get the most money possible for the claim.
Public adjusters are experts in insurance policy language and can identify potential areas where the insurance company may try to reduce the payout. They are also experienced in assessing the true cost of damages, including any hidden costs that the insurance company may overlook. This includes not only the cost of repairing the damage but also the cost of any temporary accommodations, loss of income, and other expenses related to the damage.
When a homeowner hires a public adjuster, they can expect a thorough and independent assessment of the damage, followed by a detailed report of the claim value. The public adjuster will then negotiate with the insurance company to ensure that the homeowner receives the maximum payout possible.
It’s important to note that public adjusters do charge a fee for their services. Typically, this fee is a percentage of the final settlement amount, and it is agreed upon in advance. While this fee may seem like an additional expense, it is often more than offset by the increased payout that the homeowner receives as a result of the public adjuster’s efforts.
In conclusion, homeowners should not assume that their insurance company will pay out the full value of their claim. Insurance adjusters work for the insurance company, and their primary goal is to minimize the payout. If a homeowner believes that their claim is undervalued, they should consider hiring a public adjuster to help them get the most money possible. While there is a cost associated with hiring a public adjuster, it is often well worth it in the end, as homeowners can receive a significantly larger payout than they would have otherwise. Regenerate response
On average, a policyholder makes 747% more money using a Public Adjuster. (Source OPPAGA)
If you opened a claim with your insurance, our team can help you get paid, we have handled all types of claims in the past and we are confident in the fact we can assist you in these troubling times.
Call or Text me anytime at my Personal Cell (786) 818-9642 or send me an email at Armando@CaliberAdjusters.com
