What’s the process when you hire a public adjuster?
When you hire a public adjuster, your job is to sit back and have him or her handle the whole claim. But what’s happening behind the scenes? Here’s a breakdown of the process.
- First, contact your public adjuster. Call the public adjuster first(after any emergency calls), beforeyour insurance company or agent. When the public adjuster is in on the claim from the beginning, it’s a much smoother process.
- The public adjuster will come to your property, look at your insurance policy, get a description of the incident, take photos of the damage, and create an estimate of the cost of repairs. By viewing your policy and getting a description of the incident, the public adjuster can let you know if it’s a good claim, whether it’s covered, or not worth putting in at all. Having a good handle on the incident will put the public adjuster in the best position to represent you.
- The public adjuster reports the claim to the insurance company, once the estimate is finished. The insurance company will assign their own adjuster.
- The two adjusters meet at your property.This usually happens about a week after the public adjuster’s initial visit. The public adjuster will show the other adjuster the damage and describe the incident.
- The insurance company adjuster will create his or her own estimateand forward it to the public adjuster.
- The public adjuster will analyze the insurance company adjuster’s numbers and scope. This is where the magic really starts. The public adjuster will make sure everything you’re entitled to is included in the adjuster’s estimate. Sometimes, the negotiation lasts a few weeks. Sometimes, it may take a few payments before the claim is finally settled. But sometimes it goes pretty fast. The end result is the two adjusters agree on a satisfactory settlement.
If your claim is more complicated, or if you’ve started your claim without a public adjuster and then bring one in, there are a few more steps. But the basic structure is the same. It’s all negotiation.
Having a public adjuster in your corner is a good idea. Not only does it almost guarantee you a better settlement, it ensures you a smoother, lower stress claim process. Having a public adjuster saves you time, money, and aggravation.
Robert L. McCormack Public Adjusters, Inc. has more than fifty years in the insurance adjusting field and an A+ rating from the Better Business Bureau. We have adjusted every type of property claim there is: fire, storms, water, robbery, you name it. Licensed in Massachusetts, Rhode Island, Florida, and Texas, we can handle your claim from start to finish. Contact us today via email or telephone 508-588-4243.