Top 10 Reasons You Should Hire a Public Adjuster

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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 ?nd out
is to hire one for yourself if you have an
insurance claim. Hopefully, you do not suer a
loss, however, statistically, everyone goes
through a large loss at least once in their
lifetime. Learning of the bene?ts of a Public
Adjuster beforehand may make your insurance
claim experience that much smoother. Who knows!
Maybe after reading this, youll hire us before
?ling your claim.
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Greater Compensation Perhaps the biggest bene?t
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 OHaver receives about 40 more for their
clients than what the insurance company oers. 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 adjusters payments come from an agreed-upon
percentage of the ?nal 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 ?rst
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 di cult 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 insureds behalf. Usually, this takes the
pressure, obligation, and emotion of the
insurance process.
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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.
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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. Responsiven
ess In many instances, contacting the insurance
company and its adjusters might be di cult 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 OHaver,
we have had c lients 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.
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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 oer 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.