3 Reasons You Should Hire a Public Adjuster

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3 Reasons You Should Hire a Public Adjuster.
Why did they hire a Public Adjuster? If I had
a dollar for every time that an adjuster has
asked me why one of my clients has hired a
public adjuster, lets just say that I would have
a few dollars in my pocket. While there are many
reasons why someone might opt to hire a public
adjuster to assist them with their claim, there
are three main reasons that I come across the
most frequently.
Service Handling a claim of any size can be a
full time job. From documenting damages to
preparing an inventory, going through a claim is
tedious at best. After adding in the letters,
emails, and phone calls that are exchanged
between the insured and the insurer, its flat
out overwhelming. Many of my clients reach out
for help simply because they dont have the time
or the resources to be able to manage such a
daunting task on their own.
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Perhaps one of the most time-consuming portions
of the claim is the personal property inventory.
In order to effectively compile a thorough
valuation of the loss, each and every
non-salvageable item should be documented. Most
people, property owners and adjusters alike,
will only document the large or high dollar
items that were damaged as a result of a loss,
but will miss out on all of the small items that
add value to the claim. Office supplies, home
décor, housewares, and craft supplies all cost
money and should be accounted for if they are
considered non salvageable. Brown OHaver is
known nationally for their thorough and accurate
personal property inventories, which has proven
to be an essential service that we provide to
our clients. Knowledge Statistics show that
most people will experience a large loss to their
property only one time within their lifetime.
Because of this, the average person doesnt have
the knowledge or expertise in how the claim
process works. A good public adjuster has
in-depth knowledge of the common practices for
claim handling and can read and interpret the
insurance policy. They should also have an
understanding of the construction process and the
function of building materials. Claim
Challenges We regularly have clients contact us
because they feel that they have exhausted every
option that they have and are still unsuccessful
in resolving their claim on their own. Many
times, we find that these claims can be handled
to conclusion by communicating with the
insurance company about the issues at hand and
documenting the loss appropriately. While there
is a cost associated with hiring a public
adjuster, the benefit far outweighs the cost
most of the time. A reputable adjuster will
provide their clients with the service,
knowledge, and conflict resolution skills to
navigate the claim, resulting in a significantly
better result than most can achieve themselves.