Top 10 Reasons You Should Hire a Public Adjuster

Many people do not know all of the highlights of hiring a public adjuster. The best way to find out is to hire one for yourself if you have an insurance claim. Hopefully, you do not suffer a loss, however, statistically, everyone goes through a large loss at least once in their lifetime. Learning of the benefits of a Public Adjuster beforehand may make your insurance claim experience that much smoother. Who knows! Maybe after reading this, you’ll hire us before filing your claim.

Greater Compensation
Perhaps the biggest benefit of all for hiring a public insurance adjuster is that of greater compensation. In almost every instance, public adjusters have increased the insurance companies’ estimates. On average, Brown O’Haver receives about 40% more for their clients than what the insurance company offers. A larger reimbursement can give you more freedom and options after the insurance claim has been settled.

No Out-of-Pocket Expenses
One of the biggest reasons for hiring a Public Adjuster is that there are no out-of-pocket expenses. All of the adjuster’s payments come from an agreed-upon percentage of the final estimate. Furthermore, if you have received any sort of estimate from the insurance company, you can hire a public adjuster to work for the increase of the estimate. Then, they are only paid on the increase of the claim with no expenses of your own and nothing taken from the first estimates.

Communication
One of the hardest things about going through an insurance claim is being present and available for the insurance company. It can be very difficult as the typical insured has a full career to manage and a family. Luckily for you, a public adjuster is there to receive all communication from the insurance company, schedule, and attend meetings on the insured’s behalf. Usually, this takes the pressure, obligation, and emotion of the insurance process.

Accelerated Insurance Process
Depending on the claim, the entire insurance process can take several months to conclude. On average, public adjusters speed up the claims process by at least three months. Insurance companies are notorious for being slow in their dealings. Speeding up the process is done by continuously contacting and urging the insurance company for updates, meetings, and payments. This means that the money is in your pocket sooner, the stress of the ordeal is over faster, and you can restart your life sooner.

No Lost Expense for ALE
Additional living expenses are sometimes the most underappreciated part of the insurance claim. ALE covers anything that alters your normal life and routine. Things such as a rental property expense, extra expenses for eating out, property maintenance, and mileage are all things that ALE covers. This coverage is vital to ensuring no out-of-pocket expenses. Furthermore, ALE is the cost incurred, meaning you must show proof of spending before receiving reimbursement. Public adjusters typically handle this part for free which means no lost coverage from ALE, no heartache from organizing it, and use in all areas for which reimbursement is needed.

More Time for Your Own Life
As mentioned above, an insurance claim takes time away from your daily life. Public adjusters handle every insurance claim dealing so that you can spend more time on your family and career. Without a public adjuster, you would be required to handle all communication and attend meetings with the insurance company or have them proceed with various parts of the claim process without representation. Having someone representing you puts your private life as a priority.

Responsiveness
In many instances, contacting the insurance company and its adjusters might be difficult and frustrating. You may want to receive updates on checks, results of meetings, and the general progress of the claim. Therefore, easily contacting your representative is simpler, faster, and more comfortable. At Brown O’Haver, we have had clients in the past that want to be more involved in the claims process, while we have had some clients who simply ask us to text them when we have a check for them. This responsiveness has been comforting for many of our clients in the past.

Full Count Inventory
Your policy states that you must provide a list of the damaged contents for compensation of your personal property along with prices for each item. Accumulating this list can be time-consuming and tedious. Documenting the entire contents of your home takes roughly 32 hours, not including the pricing and aging of each item. Public adjusters who work contents claims specialize in creating an inventory that will maximize your compensation quickly. This inventory process is the main way public adjusters increase your estimate so substantially.

Connections to Other Vendors
Public insurance adjusters work closely with many other companies and people related to the insurance realm. During the insurance claim, we can refer many companies including temporary housing accommodation companies, restoration companies, contractors, attorneys, insurance agents, etc. These are all valuable resources for you to use in and out of an insurance claim.

Further Free Advice
Lastly, the public insurance adjuster can offer free advice during and far after the conclusion of the insurance claim. Our advice can stretch from rebuilding your home vs. relocating your home to a second opinion when shopping for a new policy. Hiring a public adjuster opens the window to all kinds of professional help in regard to the insurance industry.