When Should I Hire A Public Adjuster?

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When Should I Hire A Public Adjuster?
Living through an insurance claim can be
challenging and difficult to navigate. As public
adjusters, we can assist with your first-party
insurance claim at any point during the claims
process. Hiring a public adjuster is beneficial
for many reasons. It is comforting to know that
someone is on your side and is looking out for
your best interest, and will work to get you
paid properly for your damages. We have
experience assisting claims from the beginning of
the claims process, including filing the claim,
to a year or more after the claim has been filed.
Maybe policies have a provision for recoverable
depreciation and limitations on timeframes up to
two years after the date of loss. When public
adjusters are active in the claim from the
beginning, they can set the narrative with the
insurance company early in the process by being
present during the initial inspections. This
allows your PA to walk through and inspect the
damages with the insurance company adjuster and
discuss the scope of work. In addition, your PA
can get working on your inventory for damaged
personal belongings and help you navigate
restoration companies who want to clean your
items, if applicable. Most importantly, they are
there to help you understand the
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process of your insurance claim and help keep you
and your family on your normal routine. While it
is not right or wrong to hire a public adjuster
from the beginning or bring them in later in the
process, it can speed up the claim handling to
have a public adjuster Okhlahoma at the
beginning. That being said, many people hire a
public adjuster after they receive an estimate
from the insurance company and are concerned if
it will be enough to repair the damages. We often
receive calls from insureds who are not happy
with the communication or lack thereof with their
insurance company or restoration company. Often
homeowners become overwhelmed with having
multiple parties involved with their claim and
simply need someone else to take charge. When
hiring a public adjuster later in the process,
they must backtrack and make sure that all the
work done on the claim prior to their
involvement was done efficiently. Public
insurance adjuster fees could be higher in this
scenario due to the additional work being done on
the back end of the claim. No matter the
duration of your claim, you can and should hire a
public adjuster. If for no reason other than to
have them review your claim to make sure things
are on track to benefit you the most. Here at
Brown OHaver, we can do these types of reviews
at no cost to you and without signing a contract
so that you are aware and prepared for the
direction your claim is going. Our team is ready
to navigate and guide you through your insurance
claim when you are.